<prompt> Human: So, Ive filed for bankruptcy after my divorce BUT since I can afford both Im keeping my car and my home reaffirmed. I havehad enormous CCLoan debt and my credit score currently sits at MAYBE 500. I know when I am finally discharged that I should open one or two secured CCs so I can start building my credit up again. Is there anything else I can do to up my score? I know most scores go down after bankruptcy but heard if they are low enough SOME scores can increase slightly.I want to mention that in addition to my full-time job Ive picked up a side job that totals about 65 hours a week.  <response>: Bankruptcy will destroy your credit. That is the cost of clearing your loans without paying them. It wont be easy and for the next 7 years raising your credit score will be an uphill battle even with great credit habits. Please go into this understanding that.Yes. Secured cards will help. Becoming an authorized user on certain bureau reporting cards like AMEX can also provide a quick boost. In general the more cardsloans you have that you can make on-time payments to, the better; however it is NEVER worth going into debt exclusively to raise your score. Dispute any negative or collections items on your report per the FAQs explanations to reduce the drag-down on your score. Youre stuck with bankruptcy but you should work to make sure hats the ONLY negative factor on your report. Once 7 years is up and the bankruptcy falls off your report, your score will skyrocket from all the good youve done over those 7 years. Even if you dont see a quick or rapid increase, keep your eye on the long-term prize. Its coming eventually. 