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From: NationalCredit Centers on 30 Mar 2010 09:31

* Open a checking or savings account. Lenders may look at this to
determine if you can responsibly handle money.

* Apply for store and gas credit cards that you would normally pay
cash.

* Apply for a secured card where you deposit cash and charge
against it. Pay advances back over two months so that they will be
reflected as positive marks on your credit report.

* Pay your utility bills and rent on time for at least a year.

* Find a friend or relative to cosign for you on a loan and pay it
on time.

* Look for car dealers and mortgage brokers that attest to be
"bankruptcy friendly". Buy a used car so you do not get hit with the
depreciation that occurs during the first two years of a new car
purchase.

* Stay away from payday loans that are at high interest rates and
are a "bad credit" trap.

* Write a letter to each credit reporting agency explaining the
circumstances that lead to you filing.

* Live within your means. Do not unnecessarily increase your debt
to income ratio by taking on credit to purchase luxury items that you
DO NOT NEED. Your payments on consumer debt should equal no more than
20% of your expendable income after costs for housing and a vehicle.

* Pay your reaffirmed, pre-bankruptcy debts on time.

http://www.nationalcreditcenters.com

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