5 Tools to Help Rebuild Your Credit

5 Tools to Help Rebuild Your Credit

You may have a clean slate now that all of your debts have been discharged, but you have to rebuild your credit.

In an earlier blog I shared a list of ways to rebuild your credit rating and avoid future debt problems. Below are five tools to help rebuild your credit after your debts have been discharged.


CreditKarma.com is a must-use tool when you are trying to rebuild your credit. It will allow you to monitor your credit. Unlike other credit monitoring tools, CreditKarma.com has partnered with Google to offer their services for free. Not only do you get the ability to regularly check your credit, you can sign up for alerts for when your credit rating changes and why.

Google Calendar

Choose a calendar and set up payment reminders. Whether you prefer to use Google Calendar, Outlook or iCal, setting up a reminder system will help you pay your bills on time. Paying your bills in a timely matter will help raise your credit score.


NerdWallet is the one-stop-shop for everything you need to know about credit cards. They have a handy tool that will help you find the best credit card for you. Simply answer a few questions and NerdWallet will provide you with a list of secured credit cards that will help you rebuild your credit. CreditKarma also provides a list of secured credit cards that can help rebuild your credit.

Bankrate.com Savings Calculator:

It is a good idea to put some of your income towards a savings account now that you have more money readily available. A good rule of thumb is to deposit 10% of your income into savings. Bankrate.com has a great savings calculator that will help keep you motivated by showing you how much money you will be able to save in the years to come.

Credit Unions

Credit unions are very helpful for rebuilding your credit. They offer low-cost secured loans, free credit counseling and online debt management courses. Credit unions are member-owned, they’re usually eager to help their members improve their scores or establish credit. Here is a list of some great credit unions that anyone can join.

Hopefully the above has given you some tools to help rebuild your credit. There is life after bankruptcy and it starts here. Contact Tom Orr at 609-386-8700 today.