Ensure that you pay your obligations on time, for starters. Even after filing for bankruptcy, you will likely have to pay rent, electricity, and possibly a car payment. Even if these payments are not routinely reported to a credit reporting agency, you can guarantee that you will be reported if a lien is placed on any of them, which will further damage your credit score.
Additionally, you can make prudent use of certain types of credit cards. There's a good chance that credit cards were at least part of the reason you declared bankruptcy in the first place, but don't be afraid to use some credit to rehabilitate your credit. One way to accomplish this is by obtaining a secured credit card. This form of card requires a deposit, so you can obtain one even if your credit is poor.
In essence, you will deposit, say, $200 on a secured credit card, and your credit limit will be $200. If you exceed your credit limit and miss your payment deadline, the card company will be able to pay your balance using the deposit. However, if you use the credit card sparingly and pay it off at the end of each month, your responsible behavior will be reported to credit reporting agencies, allowing you to gradually rebuild your credit score.
After some time with a secured credit card, you may wish to switch to an unsecured credit card. Once your credit score is within the average range, numerous companies will issue you this card. A higher credit limit may make it more tempting to use the card irresponsibly, but bear in mind that the card's interest rate will likely be higher as well.
Rebuilding credit truly requires fortitude and perseverance. You'll be able to obtain more credit as your score rises, and the more credit you use responsibly, the faster your score will rise.
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