The bankruptcy is on your credit report for 7 to 10 years, depending on the chapter you file. In the majority of cases, this does not mean you won’t get credit again in 7 to 10 years. Your credit score will rebound much more quickly than you think. This is a major misnomer about filing bankruptcy. That being said, we offer our clients (unlike any other bankruptcy law firm in Honolulu or Maui) our special credit rebuild program: “7 steps to a 720 Credit Rating.” This is a free service offered to our clients, and entails you receiving 2 months of weekly homework items instructing you how to rebuild your credit quickly and efficiently. If you follow the program closely, most of our clients obtain a 720 credit score in 1 to 2 years after filing bankruptcy.