It is certainly rough, especially at your age. The secret to reparing your credit is budgetting and time. It will take 7-10 years for the bankruptcy to come off of your credit report. Finding a job is pretty much a must, too. You do not say here why you are unemployed, but remedying that situation is the first step toward fixing your credit. Other things you can do are:1. Get a copy of your credit report and make sure there are no errors on it that will make it worse. Errors DO happen. You can legally get your credit report for free online, once a year. 2. Repay your debts (which means getting a job), starting with the high interest ones. If you have no debts, then you're on the road to better credit already! Hopefully your bankruptcy already covered this part. 3. Contact a non-profit credit counseling organization if you have debt problems still. Do NOT contact debt-consolidation loan organizations or places that claim they can fix your credit for a fee. They are scams.4. Live according to your means. Set a budget and stick to it.5. Don't go into debt again. Cut up your high-rate credit cards. Do not get another unless you are DEBT FREE. If you are, then go ahead and get a small one and use it wisely, perferably only when you ALREADY have the money to pay it back. This will build up good credit for you. Use it, then pay it off right away. If you do not have money in the bank for something, don't buy it. 6. Pay all your bills and rents promptly. Do not be late!There is a book out called "How to Fix Your Credit" that might be useful to you. It is on Amazon.com and Walmart.com for really cheap, too. That said, none of this will do you a lick of good if you have no income. Find a job! If you are handicapped or have some kind of obstacle, find a way to overcome it. There has to be SOMETHING that you can do. You'll never fix your credit if you are not bringing in an income. This is a must. Go to a temp-agency. Apply at local grocery stores or restaurants. Whatever you have to do, work! Good luck!
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