If you are preparing to file for bankruptcy in Texas, you may already be planning ahead to determine how you will change your habits to secure a more stable financial future. One of the things you will need to do post-bankruptcy is rebuilding your credit score. The sooner you accomplish this task, the faster and more confidently you will be able to acquire funding if you need a loan for larger purchases such as a home or vehicle. 

However, there may be situations, especially immediately following your bankruptcy, where seemingly no creditors are interested in approving you for a credit card. While this may be disconcerting, you have other options that can still enable you to rebuild your credit and ultimately open opportunities for you to eventually open an independent credit line of your own. According to U.S. News, one option you have is called a secured credit card. This means you will make a deposit of an agreed-upon amount and whenever you need to borrow money, it will come from that money you have already paid. This protects creditors by guaranteeing they are repaid. 

Another consideration you may take is to ask a family member or friend if you can be approved as an authorized user on their credit card. This will enable you to make purchases and also participate in repaying the credit company to be able to slowly rebuild your own credit. The most important thing is to verify with the credit bureaus that your efforts are being recorded to make sure that none of your sacrifices are in vain.