Bankruptcy will hurt your credit score
People can immediately begin to repair their credit after they receive a discharge of their debts. Debts that you reaffirm (such as a house or a vehicle that you agree to continue to pay after your discharge) will reflect as a positive on your credit report. Additionally, people can apply for credit after they receive a discharge. It is possible to improve your credit score by as many as 100 points within a year of filing bankruptcy.