A bankruptcy is reported on a credit report for up to 10 years, but that does not mean you cannot rebuild good credit during that time. The law allows a lender to loan money whenever the lender wants to, and nothing in bankruptcy prohibits a lender from making a loan after bankruptcy. Good credit is a history of paying bills on time and that is your goal after bankruptcy. Your credit score starts going up from the time you file and Attorney John Hicks can provide a estimate of your score at filing and after 12 months post bankruptcy filing.