Bad credit score can be a major hurdle when you are looking forward to get some credit. The issue becomes rather big if you have gone through a foreclosure or bankruptcy. At the end of the day we all need a house for that we need home loans. With a bad credit history getting a home loan is not an easy task. What you must work on is improving your FICO scores.

Here are some tips to repair your credit score post bankruptcy or foreclosure:

· You can get your FICO score from agencies like FICO. Read through it properly and check out the issues you can resolve before applying for any loans, may be home loan. Some times there are errors in the reports as well. Locate them if any and resolve them as soon as possible. Improving your FICO score would help you a long way ahead.

· One of the best means of improving your FICO score is debt consolidation. In simple terms it refers to taking another loan to clear all your current loans and then centralizing your credits in one place. Debt consolidation reduces your rate of interest. This also simplifies the payment procedures for you. Further, in case of any hardships, instead of convincing 4 lenders, you would need to talk to one only.

· Surrender all your extra credit cards and stick to one only. See that you have a credit card that meets your paying patters and style of usage. Only take a secured credit card and make sure that you make the payments on time always.

· Check in your credit report that all debts included in foreclosure or bankruptcy is now discharged. For this you must give them document proofs that these payments have been made.

· Maintain a savings account and use it to the best to make the payments in time. The bank statements of this account would add to your good scores. This way you would easily get a home loan even after bankruptcy or foreclosure.