<prompt> Human: Hey guys. Well I filed for the dreaded bankruptcy last December, and since then, I have not done anything, besides paying my bills on time, to help rebuild my credit. When I filed, it covered only 13k worth of credit cards and my ex-wifes car loan which I cosigned for, stupidly 13,500 was left on that. So that put my total bankruptcy at only about 27,000, which I dont think is really that bad. The reason I filed was she started to pay the car note over 30 days late, 2 months in a row. They could not repossess it because she would make the payment, but not until it hit my credit. My attorney convinced me that bankruptcy was the only way and i sure hope he was right because that cost me 2200.Currently I have no credit cards and the only loan I pay on is my car loan which is 419.00 a month. I make 60,000 a year and between rent, car note, utilities, cell phone, etc.. I only pay about 1400 a month in bills not including groceries, fuel, and miscellaneous expenses.I really would like to rebuild my credit quicker than I am now, but I have no idea what to do. Im only 27 and I guess Im not too experienced in this field. I would love to get some recommendations on what I can do to help boost it. Can anyone help? Thanks!EDIT: When I filed for bankruptcy, I was only making about 46,000 and in Maryland, that is not much. Since then, I moved into a much better position making the 60k.EDIT2: Well I now feel even worse after being denied 2 secured CCs! I make plenty and have a balance of over 2,000 in my bank. How is this even possible?EDIT3: While I appreciate the tough love from some of the comments, I realize that creditors now dont trust me. I dont have to be reminded. I do however appreciate the meaningful advice given by many of you. I have a plan now and I will stick to it. Thanks all!Assistant: Get a capital one secured credit card to start. After 6 months get another credit card. Pay them off every month. My parents filed BK and after 3 years their score went from low 400s to hoovers around 680 right now. They opened a secured credit card right after discharge, second one about year later. They never use them other then to build credit they hate debt now. You need credit score not just for loans but sometimes for: carhouseapt rental, employment, etcSmall side note, 13.5K debt with your salary was not BK worthy... But what is done, is done. Mover forward and rebuild your score, stay out of debt if possible. Human: I also hate debt now. I wouldnt have even included the cc debt to the bankruptcy, but my attorney told me I might as well since I was trying to rid myself of my ex wifes debt. Assistant: Open a secured credit card and let the time do the repair. Human: I just got denied twice. Is it because Ive only been in my job 6 months? I make plenty to at least be given a 200 dollar limit. This is mind blowing. Assistant: Out of curiosity, who did you apply for the secured cards through? If you didnt try Capital One, they almost certainly will issue you a secured card, if not an actual card. Another option for re-establishing credit could be jewelry. They have a low threshold for credit scores because the debt is secured. Especially if you were to get, for example, a 300 watch and you put 100 down on it. Any major jewelry retailer would probably issue you credit based on your income alone and the fact that you have zero debt, except your car.Human: I tried through Bank of America and Credit One. I wasnt sure if Capital One would accept me due to me dumping my original CC that I had through them. I only had 500 on it, but my attorney advised me to dump it anyways. Gosh I wish I did my research.  <response>: Honestly, I think your attorney did a poor job of explaining things to you and heshe was severely overpriced to top it off. But they did have a point. You cant pick and choose creditors to list. Everything gets listed even non-dischargable debt and secured debt youll keep. So you would have had to included it, technically and legally.And you have a fair point. They may not issue anything to you based on your past experience with them. And as others have pointed out. Its a time game and credit isnt everything right now. You have to wait a minimum of two years for a house, so saving for that should be a priority. Your car payments should be helping lift your score every month that they report. You also might want to run your credit and see if any of the creditors that were discharged are still reporting late or missing payments, because that should have stopped when they received notice of the filing. If they are reporting latedelinquent payments that will hurt your score. 