At first, yes, bankruptcy will hurt your credit scores. While the bankruptcy filing remains on your credit report—ten for Chapters 7, 11 and 13—your credit does not have to stay ruined during that time. Right after filing bankruptcy, it will most likely be more difficult to get loans and low-interest credit cards. However, if you don't have accounts go into collection, like utility bills, and don't get evicted, and keep on top of your mortgage payments, you'll be improving your credit scores. You can find a starter credit card, which is usually secured by a deposit you will make into a bank account. It will probably have a higher interest rate, but paying it off every month, or at least making higher than minimum payments, will also help with your credit. If you keep those habits up, you'll likely see your credit score rise in 1-2 years after filing. Your credit probably wasn't the best before you filed bankruptcy. It will take time to boost it back up, but it can be done if you remain dedicated to responsible spending.