LIFE AFTER BANKRUPTCY
After you have completed the bankruptcy process and received your final discharge, we recommend the following tips to help rebuild your credit.
Track your credit score.
There are many different services and sites (such as Credit Karma) to help you keep track of your credit score.
It is also recommended to pull your credit report once a year to ensure your creditor information is correct and to protect yourself against ID theft.
Open a Secured Credit Card.
A secured credit card is a credit card that requires a security deposit, which is held as collateral for your account. The credit card limit equals the amount of money held in your collateral account. The credit card account is reported to the credit bureaus and as long as you make your payments on time, this will provide you the opportunity to rebuild your credit history.
Make payments on time.
This is the single most important factor. This will slowly start to raise your credit score. If you find it difficult to remember, start using automatic payments.