Filing for bankruptcy can remain on your credit for up to 10 years. However, it can take as little as two years to rebuild your credit score. Rebuilding of your credit score starts immediately after filing by continuing to make regular on-time payments on your mortgages and/or car loans. In addition, most of our clients receive applications for secured credit cards within weeks of us filing their cases. Once you obtain a secured credit card you can use them and pay the balance off every month. This will add positive credit history to your credit report and raise your credit score over time. What most people fail to remember when considering bankruptcy as an option, is that their credit score is already likely damaged. Even if payments are made on time every month your credit score can be impacted by simply having too much debt. Bankruptcy not only eliminates your liability on most current debts, it immediately improves your debt to income ratio which has a positive impact on your credit score.