First, you should try to take out a small loan or a credit card. While this may seem counterproductive to establishing a good, clean credit record, it is vital to someone who is trying to do credit repair after a bankruptcy. By taking out a small loan or credit card, paying on time and never going over your spending limit - your credit history will slowly start to right itself.

Something else that goes a long way in credit repair after a bankruptcy is how long you have been on the job. Credit lenders look at how long a person has been with a particular employer. The longer you are with one business, the more stable your finances will appear to credit lenders. If you flip from job to job, credit lenders are not comfortable giving out loans and credit cards. Your income is not a "sure thing" on a month to month basis in their eyes. So, if you are looking to do some credit repair after a bankruptcy, find a job you like and stick with it.

Here are three goals that you should have when trying to repair your credit:

* Commit to paying all of your bills on time, if not early. It is best to pay off your credit card balances each and every month in full.

* Make an attempt to open and build up a savings account. This will give you a cushion if you should ever fall on hard times.

* Set up a manageable budget. You can go on the Internet for tips on how to budget.