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Reestablishing Your Credit After Bankruptcy hen it comes to reestablishing your credit after a bankruptcy, the first thing that you must consider is how long you should wait. Not everyone's circumstances are the same; some will not have the extra income to take on debt, some will still be repaying old debt based on their Chapter 13 bankruptcy repayment schedule, and they will all have a different credit score. Myths and Facts About Personal Bankruptcy The decision to file personal bankruptcy rarely occurs in a vacuum. There are unavoidable situations and circumstances which usually snowball until financial insolvency results. For anyone with a pulse, this situation can be very difficult to handle.