Have you currently filed for bankruptcy? This process can be incredibly difficult to go through emotionally and can really impact your credit score. But there is a way that you can help restore your credit and begin to rebuild your life. Bankruptcy allows people to start fresh with their financial situation and can be a huge relief for those who are facing creditor harassment and the uncertainty of not knowing if you will be able to pay off debts and bills.

There are a few steps that you can take to help you restore your credit and rebuild your life after filing for bankruptcy. One of the most important things to remember is that you are not alone; in 2010 alone at least 1.53 million people filed for bankruptcy. After filing, it is important that you remember where you came from, understand the situations that led you to having to file, and then let them go and move forward. There is no reason to hold onto the guilt you may be feeling, but rather use this experience as a learning tool.

It is also important that you now create a budget and make a conscious effort to pay off bills in a timely manner. It may be to your benefit to also get and maintain a job that can allow you to make at least minimum payments towards your credit. Perhaps try opening a savings or emergency fund and make an effort to place a small portion of money into the account each month. Finally, it is important that you open a new credit account with a credit card company. As terrifying as this sounds, this will actually help you start to rebuild some of the credit that you are lacking and make a positive impact on your credit score.