Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy You can lessen the effects of the recent tightening mortgage underwriting standards by improving your credit report profile and, as a result, your credit score. Just don’t expect that your knee-jerk reaction to better fiscal responsibility will generate overnight success. Chances are, you didn’t get those bad credit reports during a single credit buying binge. And, if you are like many consumers, you don’t even know what you are up against. Your credit report is a sort of fiscal fitness report on your credit habits and the information it contains factors heavily into your credit score, a statistical analysis or numerical value placed on your credit behavior. Your credit score is commonly used to nay or yea your requests for credit and determine how much you’ll pay for credit approved.

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