You are required to attend two credit counselling sessions as part of the bankruptcy process. In the second session, the counsellor will discuss rebuilding your credit. The first step we suggest is to obtain a secured credit card (investigate the annual fee, interest rate, etc.). Purchase your groceries and gas for your vehicle on the credit card and then pay it off in full when due every month.  You will not be incurring interest, and the expense for groceries and gas are already in your budget, so you know you can pay the bill in full when due.