Gauss Law Firm- Denver Bankruptcy Lawyers

Improving Your Credit Score

We have helped thousands of people through the bankruptcy process. Clients often ask: “How do I improve my credit after filing bankruptcy?” Below are some simple tips that can improve your credit score. Your credit score is not a measure of your value as a human being, it is a measure of how much interest a credit lender can squeeze out of you in the future.

If you are a younger person looking to purchase a home please do ask me for specifics. I have resources in Colorado that can be of tremendous value. Mortgage expert and friend James Spray can help. If you are sixty -two, looking to retire and own your home then I don’t want you to be abnormally worried about your credit score. 

You may contact Mr. Spray here:  James Spray RMLO, CNE, FICO Pro.
Mr. Spray is an independent professional. He is not associated with the law firm and we do not have a financial interest in his business or vice versa).


1. Pay bills on time and responding to collection agencies in writing and keep copies. Having good records when a dispute happens will help you with credit reporting agencies.

2. Avoid debt. If you are working and can afford to carry a small balance, or need a car loan so that you can work, then be reasonable and stay within your limit. Easily said, and not as easily done. Shopping and looking and searching until you do find a reasonable car loan for  $8,000 is well worth the effort. It’s easy to get into a $20,000 car loan at 18% even after a bankruptcy, but finding a decent loan at a decent price point takes work.

3. Check your credit report periodically at Annual Credit Report Write letters disputing items where appropriate and keep copies of correspondence.

4. Struggle and save to get 4 months of expenses saved. Once you have saved an emergency fund, you then have options the next time a crises occurs. When you have no savings, you have no options when you chip a tooth or the car breaks. Over time, this is what leads to trouble. So fight and save and build an emergency fund that is liquid to shield yourself on a rainy day.