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Your credit score only improves when there is new good credit being reported about you. It's not credit that should be avoided but excessive debt.Otherwise your credit history just falls off the cliff with your bankruptcy. Your credit score will begin to rise if you get the right type of credit, use it responsibly, never pay late, and don't default.By Steve Rhode WRAL Reader Question Dear Steve, I filed Chapter 13 in April of 2009 and confirmed June of 2009 and will be completed at the end of December this year.I had decent credit when I filed, no collections, repossessions or delinquent accounts.

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That is going to be the bigger issue in rebuilding your credit.

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It's not that the savings will help your credit score but you will absolutely need to have a growing savings account that you can draw upon when you run into an unexpected situation and cash available to keep making regular payments on your new credit.

I have always rented, (been in current lease for almost 8 years) never owned a house so did not lose one in my bankruptcy.