The true fact is that you can get credit again following your bankruptcy. 真正的事實是，你可以再次信貸以下的破產。 Bankruptcy is in some ways also meant to provide you with a fresh financial start, as well as the ability to rebuild credit will be part of that new start. 破產是在某些方面還意味著為您提供新的財政開始，以及能夠重建信貸將是新的開始。 Obviously, just as with all good things; there is a procedure that you will have to follow in order to rebuild credit following bankruptcy and it can be very full of downfalls, many of which can be avoided. 顯然，正如所有美好的事物;有一個程序，你將必須遵循以重建信用破產之後，它可以是非常充分的見於，其中許多是可以避免的。

• Try not to take out loans or use credit unless you can afford to make timely payments. •盡量不要採取貸款或使用信用卡，除非你能夠及時付款。 This might sound like it is obvious, but lots of good consumers make the mistake of taking out loans that they cannot afford to pay every day. 這可能聽起來像很明顯，但很多好消費者錯誤地採取了貸款，他們付不起每一天。 Try not to get so eager as to rebuild your credit following bankruptcy that you feel that you will need to rush into it. 請不要如此迫切，以重建信用破產之後，您覺得您需要將湧入它。 You will need to figure out whether or not you can afford the payments. 您將需要找出你是否能夠負擔得起的款項。 If you assume that you can stick to the payments every month, but can afford to miss a few after a while, your credit will never go up and you will likely end up back in debt and worse than before. 如果你以為你可以堅持每個月支付，但不能錯過了幾個後一段時間，您的信用卡將永遠也不會再和您可能會最終回到債務和比以前更糟。 You will need some detailed information to take out a new loan. 您將需要一些詳細的資料採取了一項新的貸款。

• Check your budget., and if you don’t have one; try to create one before you even consider applying for new credit. •檢查您的預算。 ，如果您沒有;嘗試建立一個即使您還沒有考慮申請新的信貸。 With your budget, you can figure out exactly how much the payment on your new account will be. 與您的預算，您就可以找出多少款項，您的新帳戶將。 You can also make use of a loan calculator which will do all of the work for you. 您也可以使用貸款計算器，這將盡一切的為你工作。

• Establish a comparison with the amount of payment and the income which is available to you. •建立一個比較的數額支付和收入這是向您提供。 Available income simply means reliable income that isn’t committed to another area of your budget. 可支配收入只是意味著可靠的收入，不承諾的另一領域是您的預算。 Don’t base it on any money you might have, instead try to work with the money you do have. 不要基數上任何金錢您可能，而不是試圖與金錢您有。 Try not to forget to leave some for savings/emergencies, so if this new loan payment implies that you are spending all of your monthly income, you won’t be able to afford it. 請不要忘記離開一些儲蓄/緊急情況，因此，如果這一新的貸款支付意味著你開支您所有的每月收入，你將無法承受。

• Try to beware of hidden costs. •嘗試提防隱性成本。 There are many reputable lenders who specialize in offering second chance loans, but their interest rate will be higher. 有許多有信譽的貸款誰專注於提供第二次機會的貸款，但其利息將更高。 This is given to consumers who have low credit scores or have filed for bankruptcy. 這是考慮到消費者誰低信用分數或已申請破產。 However not all lenders who will do this are actually reputable. 然而並非所有的貸款誰這樣做實際上是信譽。 When you have filed for bankruptcy and know that your credit options are limited, you might be tempted to accept terms that would normally be ridiculous. 當你有申請破產保護，並知道您的信用卡的選擇是有限的，你可能受到誘惑而接受的條件通常是荒謬的。 Lenders have knowledge of this and some will make the most of post-bankruptcy clients by giving them fees which are unnecessary, crippling late-payment charges, and hidden costs. 放債人了解這一點，有些人會作出最後破產的客戶，使他們的費用是不必要的，沉重的晚付款的費用，且隱性成本。 It’s more important that you watch out for this following your bankruptcy. 它更重要的是，你看這出以下的破產。

Interested? 興趣？ more to come! 更多的驚喜！ click to the next page of our guide: Home Equity Options 3 點擊下一頁，我們的指導：主頁股票期權第3