How Do You Repair Credit After Bankruptcy

[@alexsalazar8526]

Thank you.

[@justinmirche]

You are very welcome!

[@gypsyg5768]

What is the tri-merge link that you were discussing? Thanks so much

[@justinmirche]

Here you go! www.smartcredit.com/cblp/?PID=59060

[@conman20000]

How do you know if you will get approved for the capital one credit card?

[@justinmirche]

Approval for a Capital One card depends on your credit history. They offer options for various credit levels, including secured cards for rebuilding credit. Check your score, ensure your report is accurate, and use Capital One’s pre-qualification tool to assess your chances without impacting your credit. Good luck!

[@Lovelyc22]

Can a creditor keep updating / adding remarks on your credit report after you have been discharged?

[@justinmirche]

After a BK, they should list the account as having no balance and not active. Remarks aren't figured into a person's credit score and mostly ignored by creditors. I wouldn't worry about it.

[@Lovelyc22]

@@justinmirche I actually lost 8 points. The creditor updated my status 2 more times after discharge and my score dropped each time.

[@justinmirche]

It's likely the remarks didn't cause the score decrease. It could have been another part of the account that was adjusted or something else changed on your credit simultaneously causing the decrease. Comments on credit reports aren't scored.

[@sareei003]

What about charge offs my score dropped 100 pts after a BR. And it was dismissed.the same month it was approved. Still can't get credit