You can begin the process of rehabilitating your bankruptcy credit report immediately after you are done with the bankruptcy proceedings.

You do this by drastically changing your spending and credit habits to pay off your debts on time. After a bankruptcy, you may be a bit credit shy and be tempted to adopt a “cash only” life style. If, however, you want to build up your credit score, this would be a mistake. The only way to improve your credit score is by taking on more credit and treating it responsibly.

Unfortunately, because of the laws on bankruptcy, you won’t be able to do much to remove the records of your bankruptcy from your credit report before at least 7 to 10 years. But, you can affect the other credit factor in your report and gradually begin to bring up your credit score – even with the bankruptcy.