You should also consider a method known as piggybacking credit in order to re-establish a good strong credit history once again after a bankruptcy. This is a time tested and proven way to improve your credit scores, especially when you have a low fico score and a bankruptcy as well. When you piggyback off of someone else’s credit you are actually borrowing their credit history and it is being added to your credit report as though it is yours. You simply need to find a family member or friend with strong credit and have them add you onto an established credit card of theirs that is not maxed out and has a good payment history as an authorized user (not a co-borrower). Many credit card companies will then report the account to your credit report as well, thus boosting and improving your credit scores.

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