The first step is to make sure that your credit report is as clean as it is supposed to be. This may take writing the three major credit card bureaus to dispute or provide documentation (such as all of the debts that were discharged in the bankruptcy) to include on your credit report. The second step is to establish a good payment record and have that properly documented on your credit report. A good payment record can be accomplished by making on time payments on your house and cars and by obtaining one or more secured or unsecured credit cards. Even though a major part of bankruptcy is to wipe out credit card debt and keep it that way, it can help reestablish credit to charge small amounts and pay the balance in full each month.
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