After you’ve been discharged from bankruptcy (step 9 in the bankruptcy process), you can start to rebuild credit again. Not all creditors will be willing to grant you credit. However, taking some slow, careful steps will start to reflect positively on your credit report or credit score. Over time, your credit rating will become positive and show that your finances are stable.
There’s no quick way to “fix your credit” or erase the bankruptcy notation on your credit report. With a first bankruptcy, it will be there for at least 6 years from when you obtained your discharge, and longer for a second or third bankruptcy.
Note: This summary of the steps involved in the personal bankruptcy process is based on information from the Office of the Superintendent of Bankruptcy website.