Credit Score Management

Question by Wendell: How come my credit score was Zero after Bankruptcy Discharge & how can i build my credit?
I filed bankruptcy in 2008 and discharged same year. My Credit Score is still Zero, How can i rebuild my credit score again. I got a 2 secured credit cards, 1 from USBank and the other from Golden1 Credit Union.

Best answer:

Answer by Judy
Go to your bank and question them about a secured card.
Make sure it reports to the credit bureaus – and you replace the money in full each month.
Question to see if this card will turn into a credit card after a year even with a bankruptcy on file.
That is your best hope to rebuild credit.

Once it turns into a credit card – remember to pay in full each month.
Not the minimum, not close to the minimum, but the entire balance – no games.
Carrying balances can ruin credit and in some cases ruin lives.
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I need to build my credit again and plotting on getting a secured credit card. My credit score now is 550 so i want to raise it up to 700+. Just curious as to how long will it take to build my score up again? How much points does a person gain in a month? Thanks.