Credit Repair Support After Bankruptcy | Bronx, NY

Life after filing for bankruptcy doesn’t mean your credit is stuck at rock bottom. With the right steps and a little guidance, you can start rebuilding your credit score and move toward a stronger financial future. We’ve seen many people in the Bronx see real improvements in just a year or two by sticking to a solid credit repair plan.

Understanding Your Credit After Bankruptcy

Bankruptcy gives you a clean slate by clearing debts, but it does leave a mark on your credit score. The good news? That impact fades with time. At Adon & Associates, we’ve helped countless Bronx residents rebuild their credit using proven strategies and steady effort. You don’t have to do it alone.

First Steps to Rebuild Your Credit

• Get copies of all credit reports
• Check for reporting errors
• Dispute incorrect information
• Set up payment reminders
• Create a monthly budget

These basics lay the groundwork for real credit repair. From Mott Haven to Parkchester, people across the Bronx have used these steps to kick off their credit recovery journey—and you can too.

Building New Positive Credit History

Secured Credit Cards

Secured credit cards are a great way to get back into using credit the right way. You put down a deposit, which becomes your credit limit. Make small purchases and pay them off each month, and you’ll start building a positive payment history again.

Credit Builder Loans

• Small loan amounts ($300-1000)
• Money stays in savings while you make payments
• Regular payments reported to credit bureaus
• Get the money back after loan completion

These loans help you build good payment history without the risk of taking on new debt that needs settlement. Our team at Adon & Associates can point you toward lenders you can trust.

Smart Credit Management Practices

Rebuilding credit is all about good habits. Paying bills on time makes up a big chunk of your score. Keeping your credit use low—ideally under 30%—also helps a lot. Stick to these habits, and you’ll see your score climb steadily.

Monitoring Your Progress

Tracking your progress keeps you motivated and helps you catch mistakes early. Plenty of free services let you check your score every month. We always recommend checking your full credit reports every few months to make sure everything is accurate and your good payment history is being recorded. And if you want extra support, our team offers ongoing financial education and counseling to help you stay on track.

Get Started with Credit Repair in the Bronx

Contact Adon & Associates at 718-275-1243 or schedule your free consultation and let’s start rebuilding your credit together.