Oftentimes, a person's credit score will improve within one year of the filing date.  If a person has a high score when the case is filed, the score will usually worsen.  Some financial institutions openly solicit business from persons who have recently filed under Chapter 7, apparently because it will be at least 8 years before they can file another Chapter 7 case.  If there are compelling reasons for filing a Chapter 7 case that are not within the person’s control (such as an illness or an injury), some credit rating agencies may take that into account in rating the person’s credit after filing.  When Bolger Law Firm prepares your case, you will be advised of your predicted credit score one year after discharge.