Phew, that's a tough one - even though I have an employee badge, I don't have all the answers. :( I would say though, it's going to be a slow haul, I've heard bankruptcies take a long time to clear up. Since you are starting over, I'd say do the following: Don't spend more than you make Pay every bill on time (or within the 'not late' window). If you are going to use a credit card, only put things on it that you can afford to pay off that month. That way the credit agencies can see you are responsible with money. Hope that helps a bit, good luck! Please let us know how it goes.
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