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Bankruptcy can be the worst item to have on your credit report. No matter what the circumstance that led you to file, it doesn't make a difference. It shows lenders that you were unable to pay off your debt. This will stay on your credit report for ten years and it will take some time for you to get back to having a good credit score. It will take some work, but it is possible. You can still get financed with bad credit or a bankruptcy, from certain lenders. There are specialized loans available for people who have bad credit and it is possible to qualify.
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