It is generally better seen to have a bankruptcy with a good payment record after the discharge than no bankruptcy but an inconsistent payment record.

If you pay our bills consistently after bankruptcy banks will give you credit soon after you are being discharged and about two years after the bankruptcy banks will give you as good terms on a mortgage as they give to a person who has never filed for bankruptcy. You may be surprised that you receive credit card offers in the mail right after you filed for bankruptcy. You are a welcome customer since you cannot file another bankruptcy for eight years. It makes sense to get a secured credit card to build credit. In addition you are building credit with your car and rent or house payments.