How to Raise Your Credit Score Fast After Bankruptcy

Filing bankruptcy affects your credit score and makes it difficult to obtain any type of credit. In some cases, bankruptcy makes it tough to find adequate housing or decent employment. There isn't an overnight solution to repairing your credit score. By making small changes in the way you spend money, pay your bills and what types of credit you apply for, you can bring your credit score back to respectability quickly.

Instructions

1

Order a copy of your credit report from each of three major credit bureaus: Equifax, Experian and Trans Union. Review each item on the report individually, making sure that each individual entry is correct. If you find errors, dispute them with the credit bureau.

2

Pay your bills on time to develop a good payment history. On-time payments show that you are balancing your finances responsibly, decreasing your risk with lenders.

3

Open a secured credit card account. This type of account requires you to pay a deposit that goes into a savings account before the financial institution issues the credit card. The deposit secures the card and gives the bank the option to revoke it if you default on your payments. Your credit limit is equal to the amount you deposit. Every payment you make on time reports positively to the credit bureaus and helps raise your credit score.