This is a question I get a lot because people still want to have access to credit after they file for bankruptcy. Bankruptcy will last on your credit score for 7 to 10 years; however, you will be able to access new lines of credit immediately after filing for bankruptcy. And, in fact, you will receive a flood of credit card offers in the mail. So, if you do want to reestablish your credit, so for example, if you want to one day qualify for a mortgage loan, you will have opportunities to open up those new lines of credit and bring those credit scores up, so that one day you may be able to buy a home.