Bankruptcy is a fresh start, but the profile it leaves behind is thin. Rebuilding is deliberate.
First 90 days - Confirm every discharged account reports as "included in bankruptcy" with a $0 balance - Dispute any account still reporting a balance - Open a secured credit card
Months 3–12 - Add a small installment loan if available (credit-builder loan) - Keep utilization under 10% - Pay every account on time, always
Year two and beyond - Consider a second card - Review the report quarterly for accuracy - Discuss any remaining strategy with a professional
Time and consistent behavior are the two biggest levers here.