Contrary to the mass believe that filing bankruptcy can ruin your credit score, getting a good score is not rocket science. However bankruptcy no doubt can cause some serious damage to the credit score, it is not irreversible. One can tap down the financial acuity again and get back to track if deal the situation with little logic and patience. With bankruptcy law in India being flexible discipline and patience can get your financial life on track conveniently just by following a few simple steps. Let us look at few points which will help you rebuild your credit even after bankruptcy 1. Keep a track of non-bankruptcy account when you file for bankruptcy one must understand that all your account doesn’t freeze. There are certain dues and loan which remain active even after you went bankrupt. One must always care about such loans and dues. Pay them within time. Keep a record of them. This account or These accounts which doesn’t get discharged on your bankruptcy continue to function and affect your credit score too. So keep in mind to repay or give continuous payment of these account loans from time to time. Sometimes it also happens that some of your accounts are not reported in your bankruptcy report. One tends to ignore these accounts which are a negative practice as eventually then and now they will get reported. Once you start getting reported they will also impact your credit score. So it is wise to always account for these accounts before it's too late. The initial goal is to let recover your credit after bankruptcy while creditors know about your seriousness regarding all types of dues. 2. Avoid false promises you will see plenty of advertisements from the sites of multiple companies who commit to repairing your credit and promises to remove a bankruptcy from your credit report. Don’t trust these on any account as per the bankruptcy law in India if your credit report shows you bankrupt then these companies can help you very little at the legal forefront. These can help you not more than what you can do for yourself. Do not fall steep blindfolded believing someone who says they can take out your bankruptcy or from your credit report. Some people also give false claims about the period of time bankrupt remain at your credit report. The time period is usually 10 years. Many people fall prey to such frauds and give away the remaining finances they have in their hands to such companies. A better decision would be to focus on the future of your organization rather than wasting your time to erase the past. 3. Try your hand in new credit After going bankrupt one thing that you should keep in mind is getting a new fidget, securing new credit maybe one of the biggest hurdles posted bankruptcy in the repair progress. But this also has to be one of the most critical steps in building your credit. Some credit cards approve applicants who have a history of bankruptcy because they know that by insolvency and bankruptcy law you cannot declare bankruptcy again for another seven years hence the retail cards tend to have lower qualification standards than some of the other insecure cards. You can try to secure a credit card alone if you do not want to go with the traditional plans. These may, however, be required to deposit some of the security fees what the issuing company may sometimes convert you to an unsecured card if UP the amount time. For this process, you need to wait for one year. 4. Avoid hopping your job You should also understand that frequent changes in a job will not affect your credit score but lender look at your credit score as a negative impact, especially after a bankruptcy. If you have held more than three jobs in the last year that might show that there is some problem with the responsibility and discipline and your work attitude. This not be the type of selected candidate investor wants its borrower to be. A lender also explores various possibilities before investing or lending money to someone hence one must not lose the chance at any cost. In contrast to the above-stated statement if you have a solid job and you have a good relationship with your employer this suggests stability and growth and the decision might fall in your favor. Hence you can recover your credit after bankruptcy if you follow the above-stated steps and take it slow without rushing to mean methods and conclusion. The whole process may take time and any mistake done in hustle could delay the whole process further.