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After a bankruptcy procedure is completed, when can you start rebuilding your credit?(1 point) Responses three years three years ten years ten years seven years seven years right away

right away

After a bankruptcy procedure is completed, the process of rebuilding your credit can start right away.

You should hire a lawyer to help you through which process?(1 point) Responses both Chapter 7 and Chapter 13 bankruptcy both Chapter 7 and Chapter 13 bankruptcy Chapter 13 bankruptcy Chapter 13 bankruptcy neither Chapter 7 nor Chapter 13 bankruptcy neither Chapter 7 nor Chapter 13 bankruptcy Chapter 7 bankruptcy

both Chapter 7 and Chapter 13 bankruptcy

After a bankruptcy procedure is completed, you can start rebuilding your credit right away.

To rebuild your credit, you can follow these steps:
1. Obtain a copy of your credit report: Request a copy of your credit report from each of the three major credit bureaus - Equifax, Experian, and TransUnion. Review it carefully to check for any errors or discrepancies.
2. Pay your bills on time: Ensure that you make all your monthly payments on time, including utility bills, rent, or mortgage payments.
3. Apply for a secured credit card: Consider applying for a secured credit card, which requires a cash deposit as collateral. This type of credit card helps establish a positive credit history when used responsibly.
4. Become an authorized user: If possible, become an authorized user on someone else's credit card. This can help boost your credit score, provided that they have a good credit history and make timely payments.
5. Start small: Apply for a small loan or credit line, such as a personal loan or a store credit card. Make sure to repay it consistently and on time.
6. Keep your credit utilization low: Try to keep your credit utilization - the amount of credit you're using compared to your credit limit - below 30% on each credit account.
7. Be patient and persistent: Rebuilding credit takes time, so be patient and persistent in your efforts. Consistently following these steps will gradually improve your creditworthiness.

Remember that it's important to take proactive steps and make responsible financial choices to rebuild your credit after bankruptcy.

As Attorney General, how did Vice President Kamala Harris help California homeowners?(1 point) Responses She won a $1.1 billion settlement for California students and veterans who were taken advantage of by a for-profit education company. She won a $1.1 billion settlement for California students and veterans who were taken advantage of by a for-profit education company. She won a $20 billion settlement for California homeowners whose homes were inappropriately foreclosed on. She won a $20 billion settlement for California homeowners whose homes were inappropriately foreclosed on. She paid off the mortgages for all California homeowners. She paid off the mortgages for all California homeowners. She raised the credit scores for all California homeowners.

She won a $20 billion settlement for California homeowners whose homes were inappropriately foreclosed on.

Which is the most important factor that FICO uses to determine your credit score?(1 point) Responses payment history payment history credit mix credit mix new credit new credit amount owed

payment history

Which is true about credit card repayment?(1 point) Responses You must pay the balance in full each month or your account will go to collections. You must pay the balance in full each month or your account will go to collections. You must pay the balance in full each month or the APR will go up. You must pay the balance in full each month or the APR will go up. You must pay the balance in full before the grace period ends if you want to avoid paying interest You must pay the balance in full before the grace period ends if you want to avoid paying interest You must pay the balance in full each month or the bank will take the card away.