He continues: "One year after I had filed bankruptcy. I applied for a car loan, a gentlemen at a car dealership had sent me a pre-approval right after my bankruptcy was discharged. I waited till I knew that I could make the payments and that I had been on a new job for a year. Creditors kept sending me things that I was preapproved, the only thing is that I would have to pay them an initial fee and a processing fee. I refused and I kept my 2 credit cards and my car loan.

"And now it's going wel: I just was approved for a Target Visa card and a Walmart card. I was also approved for another car loan at US Bank.

It's great to hear about smart ways to navigate the challenges of bankruptcy, so it's very useful to share that keeping a credit card or two can help you rebuild your credit immediately post-discharge.

Thanks for sharing this experience with everyone!