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Chapter 13 Bankruptcy allows consumers to restructure debts over a 3-5 year period for more affordable payments, even though credit worries may exist. Building credit during Chapter 13 is possible with Court permission to use credit, such as for work-related needs. Making timely credit card payments can improve credit scores, and monitoring and disputing inaccuracies on credit reports can help. Beware of credit repair companies that dispute all debts to artificially boost scores.
