Review Your Credit Report Although a bankruptcy will show on your credit file for about 10 years, your credit may improve earlier and you may even be approved for credit offers or loans within a couple of years. Just because your credit score sinks following bankruptcy does not mean you can be irresponsible with the credit that you do have. First things first: you should get a copy of your credit report from each of the 3 credit bureaus(Experian, TransUnion and Equifax) and m