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In order to show a good financial behaviour, you should never miss a payment again, and all your bills are to be on time. Using a credit card, although it is a secured credit card will improve your credit score. All you have to do is show them that you are now reliable and can handle your own economics just fine. Even though bankruptcy can be very stressful, but it is not necessary to continually suffer the financial consequences of past mistakes. Once you agree to live by assuring you that the amount of your expenses is always less than your income, you will be able to recover your credit and become debt-free.
