How Post-Bankruptcy Credit Rebuilders Can Win 100+ Points in 3 Months

Bankruptcy isn’t the end of your financial story.

‍Filing for bankruptcy can feel like a full stop in your financial life. It impacts your credit score, your ability to get approved, and your overall confidence. But here’s the truth: it doesn’t have to define your future.

At Vibranium Credit, we help people across the country bounce back after bankruptcy by strategically removing inaccurate negative items and helping rebuild credit the right way. You can regain 100 or more points in as little as 90 days—if you take the right steps.

Let’s break it down.

What Bankruptcy Does to Your CreditA bankruptcy on your credit report can:

• Drop your score by 100 to 200 points
• Stay visible for up to 10 years
• Scare off lenders, landlords, or employers

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But not all bankruptcies are verified or reported accurately. That’s where our process comes in.

How We Help Dispute and Remove Bankruptcy RecordsMost people don’t know this, but bankruptcy entries can be disputed if they contain errors or cannot be verified. Under the Fair Credit Reporting Act (FCRA), you have the legal right to challenge items that:

• Are outdated
• Have incorrect filing dates
• Are listed multiple times
• Are not confirmed by the court

Our team files disputes with all three credit bureaus each month on your behalf. We target bankruptcies and other negative marks that could be unfairly holding back your score.

You get unlimited disputes, monthly progress reports, and a full portal to track your results.

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Quick FAQ:

• How soon can I buy a home after bankruptcy? FHA allows after 2 years with proof of credit rebuilding.
• Can I remove a bankruptcy early? It's rare, but possible through court-level disputes or creditor agreement.

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Our 90-Day Credit Rebuild Game PlanHere is the exact process many of our clients use to gain over 100 points in just 3 months:

1. Sign up for a free credit analysis so we can pull all 3 reports and identify what can be removed
2. Dispute all unverifiable negative items like bankruptcy, collections, and charge-offs
3. Open one secured credit card with a deposit (this does cause a hard inquiry, but it is strategic and necessary to build new history)
4. Use less than 30% of your credit limit and pay on time every month
5. Add a credit builder loan or become an authorized user on a trusted family member’s card
6. Avoid applying for unnecessary credit to prevent more inquiries
7. Monitor your results with our client portal and monthly refresh

Consistency is everything. We help you stay on track.

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Clearing Up the Confusion: Hard Inquiries vs. Secured CardsSome clients ask us: "Should I avoid inquiries or apply for new credit?"

The answer is both yes and no.

Opening one secured credit card is a smart move—even if it causes a single hard inquiry. The issue is when people open multiple cards, loans, or applications in a short period. That’s when your score takes a hit.

Our guidance is clear: open only one secured card, keep it active, and build history. Don’t go chasing multiple approvals.

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Real Client Story
"When I first reached out, my credit was sitting in the 580s because of a bankruptcy I filed two years ago. I wasn’t sure if anything could be done.

Vibranium Credit got to work right away. Within 90 days, they helped remove three negative accounts from my report—including the bankruptcy, which the bureaus couldn’t even verify.

My score jumped over 100 points, and I finally got approved for a new car loan. Honestly, I didn’t expect results this fast."

— Alex P.

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Frequently Asked Questions

How long does it take to remove a bankruptcy?

Answer: Some are removed in the first 30 days, others can take a few months. We challenge all inaccurate or outdated entries every single month.

Can I do this on my own?

Answer: Yes, but it takes time, patience, and legal knowledge. Most people prefer a professional team to do it right, with better results.

How much does it cost?

Answer: $99.99 per month covers unlimited disputes, a full portal, credit tracking, and support. No cancellation fees. 90-day money-back guarantee if no results.

Does everyone see a 100+ point jump?

Answer: Results vary depending on your file. But we often see 80 to 150 point gains within the first 3 months for clients who follow our rebuild plan.

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🔥 Want to rebuild 100+ points in 90 days? Start your Free Credit Analysis and let our team help you rebuild fast, legally, and strategically.

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