Bankruptcy Lawyer Bountiful Utah
Ascent Law LLC (801) 676-5506 Free Consultation
Can I Get a Secured Credit Card During Chapter 13 Bankruptcy?
If you’ve recently filed for chapter 13 bankruptcy and need to rebuild your credit, you may wonder if you can still get a secured credit card. The short answer is yes. However, you’ll need to show that you’ve made payments on time and have not defaulted on any of your loans. In order to get a secured credit card, you’ll need to show proof that you’ve been making regular payments since your bankruptcy.
Applying for a secured credit card
If you are currently in the midst of a chapter 13 bankruptcy, you might be wondering what your options are for getting a secured credit card. A secured credit card allows you to make purchases with a cash deposit that you make to the card issuer. However, you should be aware that a secured credit card issuer can decline your application if you can’t make your payments on time. Bankruptcy debtors are more likely to be declined than non-bankruptcy debtors.
Although a secured credit card has some drawbacks, it is important to remember that it is still possible to build a credit score through its responsible use. As long as you make your payments on time, the secured credit card issuer will report your on-time payments to the major credit bureaus. You should try to find a secured credit card issuer that will report your on-time payments to all three credit bureaus. You should also avoid lenders with annual fees and application fees.
Rebuilding credit after bankruptcy
Credit score providers tend to put more weight on recent events than previous ones, so the best way to recover after bankruptcy is to make on-time payments on all your accounts. This will improve your credit score within two years. You should also try to open new lines of credit. While some lenders may be wary of you due to your bankruptcy record, you will find it easier to get approved for a new line of credit if you make a few responsible payments each month.
The first step in regaining your credit is to get encouragement. You can do this by keeping a track of your credit progress in an excel document or Google spreadsheet. You can also sign up for a free credit-tracking website to monitor your progress. Keep in mind that your credit report will still contain information from your bankruptcy filing, which will negatively affect your score.
If you have any questions, you can get a free consultation with Ascent Law LLC:
Ascent Law LLC:
8833 South Redwood RoadSuite C
West Jordan, UT 84088
(801) 676-5506
https://g.page/ascentlaw?share
https://www.ascentlawfirm.com/bankruptcy-lawyer/
When you need a Divorce Lawyer, contact this law firm:
8833 S. Redwood Road, Suite C
West Jordan, Utah
84088 United States
Telephone: (801) 676-5506
Recent Posts
Ascent Law LLC St. George Utah Office
Ascent Law LLC Ogden Utah Office
Directions from Orem Utah to Ascent Law LLC West Jordan Utah
Directions from Holladay Utah to Ascent Law LLC West Jordan Utah
Directions from Vivent Arena Salt Lake City Utah to Ascent Law LLC West Jordan Utah
Bountiful, Utah
Jump to navigationJump to search
|
Bountiful, Utah
|
|
|---|---|
Mueller Park Trail a popular hiking trail located in Bountiful,Utah
|
|
Location in Davis County and the State of Utah.
|
|
| Coordinates: 40°52′47″N 111°52′18″WCoordinates: 40°52′47″N 111°52′18″W | |
| Country | United States |
| State | Utah |
| County | Davis |
| Settled | September 27, 1847 |
| Incorporated | 1892 |
| Founded by | Perrigrine Sessions |
| Named for | Bountiful (Book of Mormon) |
| Government
|
|
| • Mayor | Kendalynn Harris |
| Area | |
| • Total | 13.22 sq mi (34.23 km2) |
| • Land | 13.19 sq mi (34.17 km2) |
| • Water | 0.02 sq mi (0.06 km2) |
| Elevation | 4,797 ft (1,462 m) |
| Population
(2010)
|
|
| • Total | 42,552 |
| • Estimate
(2019)[3]
|
43,981 |
| • Density | 3,333.41/sq mi (1,287.07/km2) |
| Time zone | UTC−7 (MST) |
| • Summer (DST) | UTC−6 (MDT) |
| ZIP code |
84010, 84011
|
| Area codes | 385, 801 |
| FIPS code | 49-07690[4] |
| GNIS feature ID | 2409885[2] |
| Website | http://bountifulutah.gov |
Bountiful is a city in Davis County, Utah. As of the 2010 census, the city population was 42,552, a three percent increase over the 2000 figure of 41,301. The city grew rapidly during the suburb growth of the late 1940s, 1950s, and 1960s and was Davis County’s largest city until 1985, when it was surpassed by Layton. Bountiful is Utah’s 15th-largest city.
Although a part of the Ogden–Clearfield metropolitan area, it serves as a bedroom community to Salt Lake City and the surrounding area. However, due to the very narrow entrance into Salt Lake County, roads between the counties often reach near-gridlock traffic during rush hour. The FrontRunner commuter rail has been running since April 2008, and the Legacy Parkway was opened on September 13, 2008. These were built to help alleviate the traffic load on Interstate 15 through the Bountiful area.
No data matched by id...
No data matched by id...
No data matched by id...
No data matched by id...
No data matched by id...
No data matched by id...
No data matched by id...
No data matched by id...
Can you get a secured credit card during chapter 13 bankruptcy?https://t.co/g0R8YbCDUd pic.twitter.com/AQXVYp0Alx
— Jan Meriss Alfonso (@MerissJan) October 27, 2022
Comments are closed.