After a bankruptcy, there are steps you can take to begin re-establishing and rebuilding your credit. You have to get and use credit to build your credit score.

Here are a few credit building opportunities you should consider:
Credit Cards:
  • Unsecured
    • A regular credit card designed for individuals with less than perfect credit

Unsecured Orchard Bank Gold
When you obtain new credit after a bankruptcy, it is essential to take steps to ensure that you use this credit to effectively rebuild and increase your credit score. Here are a few tips that may help you:
  • Make your payments on time, all the time.
  • Next to making your payments on time, paying down your balance will improve your credit score.
  • Only use up to 30% of your credit limit and pay the balance off in full each month.
  • Get into the habit of only charging what you can pay off in a month.
  • Remember that maxing out your credit cards hurts your credit score.