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Can anyone point me to some solid advice about how to recover and rebuild a good credit rating after bankruptcy?

We filed mainly because of credit card debt. We kept one department store credit card, and paid the balance every month. We also reaffirmed the debt on one car, and made the payments on time. We joined a credit union, and got automatic deposit, the c.u. tends to look more favorably at us for loans because we have this. We also signed up for a unsecured credit card from a bank that specializes in bankruptcy credit, and transferred it over to our c.u. card as soon as we could, the fees were pretty high. Above all, it takes time.

Beth
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