Bankruptcy initially takes a toll on your credit. As it is a sign that you have had unmanageable debts. A Chapter 7 bankruptcy will remain on your credit reports and affect your credit scores for 10 years, while a Chapter 13 bankruptcy will affect your credit score for seven years. However, this does not mean you cannot rebuild your score! No, there are many ways for you to begin rebuilding your credit score after bankruptcy. Always be sure to be paying your bills on time, as well as making a budget. With hard work, you and your score can recover! Connect with us to begin your plan.