You can start rebuilding your credit now by simply paying your vehicle loans and utilities on time each month.
Shortly after bankruptcy, you will be able to obtain either a secured credit card or a credit card with a low credit limit. Use this card wisely and your credit limit will increase, and you will have favorable monthly remarks on your credit report.
Remember the bankruptcy will eliminate most if not all of your debts, which should allow you to start saving the money that you once were paying to your creditors. Having money set aside will also help you obtain credit in the future and give you the option of not having to use credit.
As you continue to be financially responsible, your credit score will continue to increase.
To obtain a credit report, follow this link: www.annualcreditreport.com.
This website will allow you to obtain a free credit report from each of the three major credit bureaus. If you have already received a free report within the last year, this website will give you instructions on how you can purchase your report at a nominal cost.