good credit already after years of hard work

Hi! Since you have already filed for bankruptcy earlier, don't go for it again. You would have realized the consequences of filing bankruptcy all these years.

Try a consolidation program if you are unable to make larger payments towards your debt. All the bills are combined together and you will be drawing only one check to your multiple creditors.

debt consolidation program does not affect your credit ratings in the long run. Your credit report will show that you are using this program, but at the same time, regular payments towards your debt accounts will also be visible.

If your payments keep declining, credit ratings will worsen thereafter. Minimum payments are also not of great help because you might take long time to catch up with the payments. Consolidation programs offer help at such situations because the consultant is able to negotiate with your lenders for a reduced amount. Additionally, most of the fees and financial charges are wiped off. Repair the damages by taking a professional help and pay off all your past debts. Once it is done, your credit scores will increase and lenders will give a positive view to your file.
I was reading the page in this site that mentions the benefits of using this program. I hope you might be also interested in reading this page.

http://www.debtconsolidationcare.com/benefits.html