One of the easiest ways is to start getting credit.

An easy way to get credit is to apply for a credit card. There are plenty of companies online that offer credit cards to high risk credit/bankruptcy.

Most of the cards offered require a security deposit or only offer a small credit balance.

The point is; you need to get a good credit track record and start building your credit again.

The magic number is 3. The lines of credit that report to the credit bureaus. Over time (12 to 24 months)you will start to see your credit score dramtically improving. Having a good credit score means saving money.From purchasing a home to car insurance rates. We all know how important credit is today.

Bankruptcy is more common than you think. If you have filed for Bankruptcy, you're not alone.

Here are some statistics:

The United States Census estimates that in 2002 there were about 288,000,000 people in the U.S. In the fiscal year that ended on September 30, 2002, the Administrative Office of the U.S. Courts determined that there were 39,091 business bankruptcy filings and 1,508,578 non-business bankruptcy filings in this country in that year. Assuming that each non-business bankruptcy filing means one person filed for bankruptcy, then one out of every 191 individuals in the country, including the number of children, filed for bankruptcy in fiscal 2002. A bankruptcy filing can include a husband and wife, and therefore the number of filings of 1,508,578, means that more than that number of individuals filed for bankruptcy that year.