One way to build credit after bankruptcy, if you have no loans that will continue after bankruptcy, is to start with a secured credit card. You'll put down $250 or $300 to get a $250 or $300 credit card. The bank can offer these to people with no credit or bad credit because they take no risk. Paying on time and keeping your balance below 10% of your limit every month will gradually make a positive impact on your credit score.