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I can't see what my credit score is cause I was told I have to wait a year before I can check it, so I don’t know my status, and I was told from the bankruptcy program that I was on that soon as I get discharged to try to get a credit card or a loan soon as possible, reestablish my credit. Now I'm so confused in what to do.

Answered on August 29, 2012

You can, and should, check your credit report. Request it for free from each of three agencies - Experian, Equifax and TransUnion - at AnnualCreditReport.com. You should clean up your reports — remove any erroneous information you can from your report, make it as clean as possible. It is important because credit card issuers inquire your credit report as well and this erroneous information may have a negative impact and you may be refused a credit. So, the less erroneous information you have in your report, the more chances you have to get a credit. Also if you`ve checked your credit report and know your credit score you know where you stand and this knowledge will help you to choose the right credit card. Update your personal information in your credit report. Make sure you have your residential history accurate and current and include your employment history. Creditors like applicants with stable employment (rental stability is important as well).As you receive your credit report from any of credit reporting agencies you will be given an opportunity to purchase your credit score from them. If it is impossible for you to check your credit score and your advisors do not recommend you to do this, then you may try a secured credit card. But if you are denied for this card it will be worth waiting at least six months before you apply again.

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