Credit after Bankruptcy; Rebuilding your Credit after Bankruptcy.
WILL I EVER GET CREDIT AGAIN?
Yes! A number of banks now offer "secured" credit cards where a debtor puts up a certain amount of money (as little as $200) in an account at the bank to guarantee payment. Usually the credit limit is equal to the security given and is increased as the debtor proves his or her ability to pay the debt.
Two years after a bankruptcy discharge, debtors are eligible for mortgage loans on terms as good as those of others, with the same financial profile, who have not filed bankruptcy. The size of your down payment and the stability of your income will be much more important than the fact you filed bankruptcy in the past.
The fact you filed bankruptcy stays on your credit report for 10 years. It becomes less significant the further in the past the bankruptcy is. The truth is, that you are probably a better credit risk after bankruptcy than before.
When a person files bankruptcy the record of the bankruptcy stays on the credit bureau report for 10 years. You can start to re-establish your credit by doing the following:
Talk to your banker and say you want to re-establish your credit rating;
Open a savings account;
Be a regular and persistent saver. Use the common techniques I am sure you have heard of:
1) Pay yourself first;
2) Take your next raise and save it;
3) Save 5 % of your pay;
4) Have your savings come right off your pay and into a separate savings account;
Take out a small loan using the savings account as collateral, and then pay it back;
Apply for a credit card, with a low limit and secure the limit by using your savings account as collateral;
Talk to your banker and say you want to re-establish your credit rating; 
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