bad credit

Knowing the distinctions between Chapter 7 and Chapter 13 bankruptcy will allow you to make an informed, life-changing financial decision.

It usually starts with something small—maybe a letter from a credit card company you don’t recognize, or a sudden drop in your credit score that makes no sense. Then, after a bit of digging, it hits you: someone close to you, someone you trust, opened a credit card in your name. And now your credit’s trashed, your finances are in chaos, and you’re left asking what to do next.

Your credit score isn’t the only thing lenders look at—here’s how to really improve your credit health.

Your credit score is one of the most important numbers in your financial life, and understanding what most affects it can help you make better financial decisions.