Generally speaking, you can expect your credit score to start improving within about two years of declaring bankruptcy. This is because the stain of bankruptcy will stay on your credit report for up to seven years, but your new, post-bankruptcy credit history will start contributing to your overall score after two years have passed. It does however depend on a few factors, such as how long ago the bankruptcy occurred and what your current credit score is.
Filing for bankruptcy is a serious decision, and it will definitely have an impact on your credit score. However, if you take steps to rebuild your credit history after bankruptcy, you can begin to improve your credit score over time.
Keep in mind that it will likely take some time before your score reaches its pre-bankruptcy level, but with perseverance and patience, you should be able to get there. It is worth noting that any additional misconduct will likely cause your score to drop further, losing any positive impact that you may have made, so after bankruptcy, it is imperative to stay on the straight and narrow.
Speak with a professional and experienced mortgage advisor to learn more about how to improve your credit score and conduct your finances after bankruptcy, they may also be able to explore your current options and provide estimates of what to expect once your credit score recovers.