Hi vaildone,

Alas, the short answer is, "no."

The longer answer is that you have two options: (1) wait for the bankruptcy to fall off your reports, and (2) look for lenders who are willing to work with clients having blemished credit.

Time will solve the problem eventually. But if the bankruptcy is recent, you may be waiting awhile. Accounts included in a bankruptcy remains on your personal credit report for a maximum of 7 years from the date the bankruptcy was filed. The bankruptcy itself remains for either 7 years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12.

Note their are some lenders who will work with you despite poor credit. Some national banks specialize in "problem credit". Before turning to them, however, I would try to visit in person with lending representatives at one or more credit unions in your area. Often, credit unions will issue a credit card with a small limit to someone with problem credit. Even if it needs to starts out as "secured" by savings, credit unions will often convert them to the much more desirable "unsecured" cards after a certain period of time with good payment history.

Once that happens, you'll be well on your way to re-establishing good credit, without any telltale signs on your credit report that you were once a "subprime" customer.