Fresno Bankruptcy Info Update:

Here is an interesting article about rebuilding your credit without the use of a credit card. It has some interesting advice on how to rebuild your credit that is directly applicable to anyone exiting bankruptcy — especially Chapter 7. The author suggests: (1) secured loans for a credit union; (2) student loans; (3) becoming an authorized user on someone else’s credit card and (4) secured visa cards.

Although your immediate goal following bankruptcy is not to get back on the credit/debt treadmill, the use of credit is often necessary in life after bankruptcy.