Filing for bankruptcy significantly impacts your credit, and it usually takes time before lenders are willing to extend credit to you again. Here’s a general overview of what you can expect:

1. Immediate Impact: After filing for bankruptcy, your credit score will likely drop significantly, making it harder to get credit in the short term.
2. Credit Recovery Time: While it’s possible to get credit again, it usually takes time—often several months to a few years—before you can start receiving offers. The type of bankruptcy filed (Chapter 7 or Chapter 13) also plays a role in how quickly you might recover.
3. Secured Credit Cards: One of the first types of credit you might be able to obtain is a secured credit card. These cards require a cash deposit that serves as collateral, making them less risky for lenders.
4. High-Interest Rates and Low Limits: Any credit you do obtain shortly after bankruptcy will likely come with high-interest rates and low credit limits, as lenders will view you as a high-risk borrower.
5. Rebuilding Credit: By responsibly managing small lines of credit, paying bills on time, and maintaining a low credit utilization rate, you can gradually rebuild your credit over time.
6. Credit Reporting: Bankruptcy stays on your credit report for up to 10 years, depending on the type. However, its impact on your ability to get credit will lessen over time as you demonstrate responsible financial behavior.

While you may be able to get credit shortly after bankruptcy, it’s usually on less favorable terms, and rebuilding your credit to where it was before will take time and consistent effort.