You can fix your credit if you declared bankruptcy. The bankruptcy record may remain on your credit report for up to 10 years after it has been added. The effect, though, will eventually wear off. Start by developing healthy credit habits; pay your bills on time, maintain low credit card balances, accumulate an emergency fund, and use credit cards sparingly. For your circumstance, you might also look for a credit product. Viable possibilities include getting a credit-builder loan, secured credit card, or asking a friend with good credit to co-sign a credit card.