People considering bankruptcy are usually concerned about bankruptcy’s effect upon their credit score and what they need to do in order to rehabilitate their credit. I saw an interesting article in Yahoo Finance about an interview with Mr. Mark Greene, the CEO of Fair Isaac & Co., the managers of your FICO score.
Mr. Greene says that a bankruptcy or a foreclosure will reduce your credit score by 150 points, and that it takes up to seven years to restore your credit score. There is a common understanding that bankruptcy stays on your credit report for seven years. The fact that your credit report includes a prior bankruptcy filing, and that it takes up to seven years to fix your credit does not mean that you will not have good credit for seven years; it means that some people do not restore their credit score until the bankruptcy report is removed at the end of seven years.
I have had many clients who report that they have rehabilitated their credit three or four years after filing bankruptcy. Post-bankruptcy credit depends upon how well you do financially after bankruptcy and whether you follow the several good-credit practices Mr. Greene discusses in the Yahoo article.
This article makes interesting reading whether or not you consider yourself a bankruptcy candidate.
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