bankruptcy after

How can I start life after bankruptcy?

I had to do bankruptcy after a car accident and being sued for $31,000. I’m only 24, live with my older sister and her family. I work part time and go to college, but I have no credit, no way of getting a roommate, and I’m just really messed up. I need to move out of my sister’s house, and I need to have my own place someday, and a good job. I donno where to start, how to start and what to do. How can I get on my feet?

There are a few ways you can start rebuilding your credit after bankruptcy.

If you know someone (family member) that has great credit and will add you as an authorized user to one or more of their cards, that will give you a good jump start. Just make sure that the card(s) are in good standing – no late payments and low utilization.

I wouldn’t recommend applying for a lot of cards in a short period of time.
If you cannot be added as an AU, you might start with a secured card, check with your bank or credit union to see what they offer. You might also check with one of the following – Bank of America, Orchard Bank or HSBC (but start with your own bank or credit union first)

Stay away from the super sub prime cards. With them you would be paying extremely high non refundable fees that would almost be as much as your credit limit.
Stay away from Cap One. They do not report credit limits, they only report high balances, so they would hurt you more than help you.

You might also apply for a store or gas card.

Keep your cards in good standing at all times. Keep your utilization low and pay them on time.(I’m sure you already realize that, but I just wanted to include it)

You might click on my profile and go to the last link I have listed. Do some reading in the credit forum.
While not everyone that posts in there has filed bankruptcy, there are quite a few threads where people talk about rebuilding their credit after bankruptcy.
They discuss, among many things, which creditors are or are not bankruptcy friendly.