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What’s the best/fastest way to rebuild a credit score?

I am even considering bankruptcy. In a sense bankruptcy might wipe the slate clean but I wonder if that would be more damaging than just leaving things the way they are. Thanks for any advice. I have heard of giving money to your bank as a secured credit card so it shows up as a credit card, and I’ve been making payments on a loan with my bank for the past two years or so so I would imagine that would help me also. How long before my credit score starts going up? Will everything really be removed after seven years or should I go ahead with a bankruptcy? *Sighs*
I can’t repay my debt, or I would have. Trust me.
I’m not worried about my score so I can get deeper into debt. I’m worried about my credit so that I can buy a house or another car when the time comes.
With the new bankruptcy laws I am way past eligible for a chapter 7 so I would not have a payment plan. Why would a secured credit card be bad? Where is your reasoning?

If your going to be stuck with a chapter 13, don’t file bankruptcy.

The fastest way to build score is with Credit Cards, use them for every day things, never exceed 30% of your credit limit in any given month and pay them off in full before the due date.

I did this with 2 cards for 12-months and raised my score over 150-points.

Also small loans from your bank and paid back over 12-months will do the same thing as long as your bank reports to the credit bureaus. A lot of smaller ones don’t.

Bankruptcy Questions : How to Establish Credit After Bankruptcy