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                              How can I rebuild my credit after bankruptcy?

                                    ♦   Get copies of your credit report from all 3 credit bureaus. Make sure all bills you've paid are reflected on the
                                        reports. If they aren't, send documentation to the credit bureaus and ask them to update your profile.

                                    ♦   Pay your bills early or, at the very least, on time. Commit to never paying a bill late again. Consider secured 
                                        credit cards. You pay an amount in advance, and this may establish your credit limit.

                                    ♦   Say "No" to finance companies. Finance company credit is expensive and lowers your FICO credit scores.

                                    ♦   Say "No" to co-signers. Having someone co-sign your loan puts their credit in jeopardy if something goes 
                                        wrong. And a co-signer on your credit report looks bad to future lenders, who may consider you a greater risk.

                                    ♦   Ask questions. When a potential lender turns you down, ask, "What would you do if you were me? Where would 
                                        you go if you needed financing?"

                                    ♦   Don't take "No" as a final answer. If a car dealer or mortgage broker turns you down the first time, don't give up.
                                        Negotiate. If that doesn't work, go somewhere else.

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20 years experience in Bankruptcy and Social Security Disability claims.