Credit Rebuild Timeline After Bankruptcy

Month-by-month 24-month plan with expected FICO trajectory. Typical filer recovers 150-200 points within 24 months of discharge.

Which Chapter Did You File? Current FICO Score (or estimate)

Typical post-discharge starting point is 500-560. Check your score at AnnualCreditReport.com (free) or Credit Karma.

Disclaimer: Score estimates are based on typical post-bankruptcy trajectories. Individual results vary significantly based on pre-existing credit mix, length of credit history, and discipline with the rebuild plan. Chapter 7 stays on credit reports 10 years from filing date; Chapter 13 stays 7 years. Educational tool, not legal or financial advice.