When you are fresh from bankruptcy, you may decide you never want to touch a piece of plastic again.  But here are some questions to consider: - Do I want to buy a house? Do I need to buy a car? Do I have kids that need help for college? If you answered yes to any of these questions, can you pay cash?  If not, you will need to secure a mortgage, auto financing, or a student loan sometime in the future, and you will need to rebuild your credit history for that purpose. - What about buying a cell phone?  Renting an apartment?  Most apartment managers or landlords will ask to run your credit as a condition of renting.  Even cell phone companies will run your credit when you sign up for service.  So more than likely you will need a decent credit score for any number of things. - Credit cards, carefully selected and used, can be a good way to rebuild your credit.  Credit card offers may already be flooding your mailbox.  Most of them will not be worth pursuing.  But if … [Read more...]