Taking the below mentioned steps after you have filed your Chapter 7 or Chapter 13 bankruptcy in Oregon will help positively effect your credit and open up some lending options quickly for you. Once you receive your bankruptcy discharge from the Oregon Bankruptcy Court you will be contacted by many lenders to offer credit. While your must be carefully in taking on new debt post bankruptcy filing you can repair your credit.  Here are some tips to responsibly and successfully rebuild credit:
 
1.     Get yourself a new checking or savings account. New lenders will want to see how you handle and budget your money.
2.     You can take out a gas card and pay in full every month.
3.     Obtain a secured credit card.  When you run charges against it and maintain a positive balance; you'll get postive marks on your credit report.
4.     Make sure to pay your rent/mortgage and utility bills on time.
5.     If you have access to a family member to co-sign a loan and pay it back right away.
6.     Find mortgage and car loan options that are bankruptcy friendly. Don't buy new and keep the car within your budget.
7.     Steer clear of payday lenders.  There are not so many left in Oregon but they are still dangerous and should be avoided.
8.     Let the credit reporting agency's know what led up to your Oregon bankruptcy filing in a letter.
9.     Its important to stay within your budget. Everyone should have a written monthly budget that includes fixed overhead, savings, and giving.  Once you have this stick to IT.
10.     On any debts that you reaffirmed as part of your bankruptcy filing make sure to pay those off fast and on time.