Bad credit. Two little words. One BIG problem. Today, with companies downsizing and the increasingly high cost of living, most Americans are one paycheck away from financial disaster.

How to Improve Your Credit After Bankruptcy Surviving a bankruptcy requires mental stamina. While you are going through the bankruptcy process, it may seem as though your credit future is utterly bleak.

Bankruptcy Personal bankruptcy as a debt management tool is a last resort. The results of declaring bankruptcy are long term and can have a profound impact on an individual's financial future.

The credit file segregation scam targets those who have filed bankruptcy. ‘File Segregation’ promises an individual the opportunity to hide unfavorable credit details and information by creating a new credit identity.