 But I realize that how do I build my credit up without getting a credit card? How do I build my credit back up? I know that it was a mistake now. Wait a minute, Valerie. You went deeply in debt and got bankrupt. Why are you wanting to go back in debt? I don't want to go back in debt. Well, what is credit for? Well, yes, I do realize that. Credit score is used only for one thing.