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Shop around before signing any contract. 3. The Internet doesn't provide much more clarity. Taking out a small loan and paying it off in monthly installments will be another way to use fixing bad credit after bankruptcy. If your credit score is on the lower end of the scale or if you've had trouble getting an auto loan, a BHPH dealership should be one of the places you visit during a car search. Opportunities to improve credit One of the ways to rebuild a credit history is to make timely payments on an installment loan. Then, with your monthly payment range and down payment information factored.