A bankruptcy will be on your credit report for up to ten years. More likely than not, if you are filing bankruptcy your credit is already in pretty bad shape. The bankruptcy will actually help your credit in the long run. It will enable you to start with a clean slate and rebuild your credit history. Your credit report will indicate that you filed bankruptcy, but just because that is on your report does not necessarily mean you can not get credit. If you have not re-established good credit in 2 to 4 years following your bankruptcy, chances are that it has nothing to do with your bankruptcy.