Do you rebuild credit on accounts you had prior to bankruptcy?
I had excellent credit – 800 range and had a series of situations that made filing Chapter 7 necessary. A serious injury, loss of income and a second house I could not sell so I filed. I have one small installment loan and a mortgage that was not discharged (I reaffirmed on the small loan and the mortgage just wasn’t discharged). I also have a store card that didn’t get closed and I am able to charge on it.
Will any or all of these three help to rebuild my credit? I have heard that anything included in the bankruptcy will not report to the credit bureaus as anything but included in the bankruptcy. I make regular payments on these and will continue to but I was wondering if I needed to get a secured credit card and some other sort of line of credit to start re-establishing my credit.