when you file bankrupt how long will you have to wait before you can start regaining your credit again..

It is never too early to begin rebuilding your credit after filing a Chapter 7 bankruptcy.  If you file under Chapter 13 (a repayment plan), some jurisdictions restrict your use of credit until your plan is completed. Of course, it is very important to avoid getting into credit problems again.  Start slowly.  Do not take on more credit than you can comfortably handle. Many people start out with a secured credit card as a way to begin building a new credit history.  Since the card issuer holds an initial deposit to protect itself against default, it is easy to get a secured card, even without a good credit score. Shop online for the best deals. If you have reaffirmed any debts (such as a car loan or home mortgage) as part of a Chapter 7 case, continuing to pay those debts on a timely basis wll help to build a new positive credit history. Keep in mind that not all creditors file reports with the major credit bureaus.  Getting a loan at a small loan company, for example, may not do anything to help your credit.  Make sure that the company you deal with files reports, and make sure that you make all payments on time. Good credit is not built overnight, but you must use credit, and use it wisely, to establish a good credit score.  Don't wait any longer than you have to in starting the process.  MORGAN & MORGAN ATTORNEYS AT LAW, P.C. IS LOCATED IN ATHENS, GEORGIA.  WE HAVE MORE THAN 30 YEARS EXPERIENCE HELPING PEOPLE WITH BANKRUPTCY AND DEBT RELIEF, SOCIAL SECURITY DISABILITY, WORK-RELATED INJURIES, AND OTHER LEGAL PROBLEMS.  VISIT OUR WEBSITE AT WWW.MORGANLAWYERS.COM OR CALL (706)548-7070.