The Orantes Law Firm | Giovanni Orantes
The fact that you filed a bankruptcy case may legally remain on your credit report for 11 years. Some credit reporting agencies will stop reporting it after 7 years though. That does not mean that your FICO score will remain low after you file a bankruptcy case. Soon after you file you will start receiving offers for cars or credit cards with modest available lines, which you can accept and cultivate to increase your FICO. Your car payments and mortgage payments post-bankruptcy can also help your credit history and score.
Answer Applies to: California