Credit Report

• After your bankruptcy determination is final, get a copy of all three of your credit reports and make sure all of the information on them is accurate, according to Liz Pulliam Weston,writing on the MSN Money website, including personal informatioin and credit accounts. If accounts were satisfied in the bankruptcy, then make sure they are listed as such. Incorrect credit information on your credit report after a bankruptcy will continue to negatively affect your credit score.
  
  

Handling Finances

• You need to establishing a positive money management pattern. Use your savings and checking accounts regularly, according to the Legal Helpers website. Creditors need to see you putting money into your savings account on a regular basis, and avoid bouncing checks. You can also sign up for gas cards and department store cards. Some of those creditors may give you a small credit limit to start, which can be increased after you use your card and paying your bills on time.
  
  

Paying Bills

• One of the simplest ways to rebuild credit after a bankruptcy is to pay your bills on time, according to Jason R. Rich, writing on the Entrepreneur website. Pay at least the monthly minimums on all of your bills and pay them by the due date. If you make late payments, then make sure they are only one or two days late. Avoid allowing any of your credit accounts to go to collections due to lack of payment.
  
  

Explain Yourself

• The Legal Helpers website recommends writing a letter to each of the three credit reporting agencies to explain why you wound up filing bankruptcy in the first place. Explain your situation in detail and the steps you have taken to make sure you avoid bankruptcy in the future. The credit agencies will attach the letter to your credit file, and it will become available for all creditors looking into your financial situation.