US bankruptcy guide
How to Rebuild Credit After Bankruptcy (United States)
This guide explains United States bankruptcy law (the U.S. Bankruptcy Code). It does not describe the law of any other country.
Bankruptcy isn't the end of your credit. Practical steps for United States consumers to rebuild a credit score over time — secured cards, on-time payments, patience.
A starting line, not a finish (US)
A U.S. discharge wipes the slate of eligible debts. From there, steady habits rebuild your score over time.
Secured cards & small credit
A secured U.S. credit card, used lightly and paid in full, rebuilds positive history.
Talk to a licensed U.S. bankruptcy attorney
Free, confidential, no obligation — for United States consumers.
Free Case ReviewOn-time everything
Payment history is the biggest factor in U.S. credit scoring. Automate due dates.
Patience pays
U.S. bankruptcy stays on your report for years, but its weight fades as new positive history grows.
Key takeaway
A U. Every situation is different — a free case review with a licensed U.S. attorney is the safest way to know what applies to you.
This content is general legal information for United States consumers, for educational purposes only. It is not legal advice, is not a substitute for a consultation with a licensed attorney, and does not create an attorney-client relationship. This information relates to U.S. law only and does not apply in other countries. Laws vary by state and change over time.