They focus, not on your credit history, but your financial present. Join a credit union. Credit unions are a likely source for car loans after bankruptcy Put the money you have been spending to make credit card minimum payments into a savings account for yourself. Have contributions to a savings account or retirement plan automatically withdrawn from your paycheck. To rent an apartment, be prepared to put down several months security deposit if the landlord is worried about your bankruptcy.
Cash speaks loudly.
Keep a copy of your discharge and the schedules of creditors included in your case handy to prove that old debts are no longer enforceable against you. Understand how expensive credit can be. Get a single credit card, use it sparingly and pay it off every month. Help them see that the commercial world tries to manipulate them into spending. The stronger and cleaner your present financial condition is, the better candidate you are for future credit.