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In Prison and Got Out With Bad Credit. What Now? – Ricky

“Dear Steve,

I retired as a Department of Defense Fire Chief – retired early to try and save a marriage – didn’t work – started drinking – 3 DUI’s – went to prison for 4 years – I’m 47 years young.

I recently got home and ran my credit report – numerous accounts were added to my report and are showing bad on the report – My prevoius score was 705 – because of inquiries and these fraudulent accounts my score is down around 500.

I have the proper documentation from my jail time – what do you suggest I do to get this issue resolved.



Dear Ricky,

The fact you were in prison does not help to repair your credit.

For some reason I’ve received several questions recently about prison and credit and it appears some are under the impression that being in prison somehow keeps the creditors at bay.

It doesn’t.

Your situation sounds like it is best addressed by starting to deal with all the past due stuff and rebuild your credit. Luckily the process is fairly easy. Just follow this to rebuild your credit.

The good news is it seems your long fall down is over and now it’s time to use all those hard lessons you learned and start building a better life of good credit and a brighter future.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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