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nothappysosad

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how cn we restart to establish our credit after we just filed bankruptcy

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The first thing needed to reset credit is a secured credit card.  After a bankruptcy, you cannot get a standard credit card but must deposit a specified amount of money in a bank that offers secured credit cards.  I recommend doing an online search oif each of the possible credit card issuers to see what customer feedback is like, especially regarding customer service.  Then make your selection.  You will not have a high credit limit and you WILL have a high interest rate.

But the interest rate should not be a problem because you are going to pay off the total due (as shown on the credit card statement) every month.  You are also going to keep your credit card usage below 20%.

Rebuilding credit after a bankruptcy is going to take time and a bit of effort but it can be done.  I did it, and so can you.

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