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By using new methods of handling your finances and avoiding old habits you can work on fixing bad credit after bankruptcy. At a BHPH dealership, the process is usually reversed. What does Buy Here Pay Here mean? Despite being the fastest growing segment in the auto sales industry, there's not an official definition for Buy Here Pay Here in the dictionary. The longer it has been since bankruptcy, the more likely you are to have a better credit rating. The average search for the phrase "Buy Here Pay Here" brings back more than 40 million results, each one saying something slightly different than the next. The first step when looking for car finance is to contact a credit agency to see whether or not your credit report
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