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The 2005 bankruptcy law provides that, under Chapter 7, eight years must elapse before you can refile. If you go for Chapter 13 after a Chapter 7, you must wait four years. Going from one Chapter 13 to another, two years must elapse. If you still have student loans (which typically aren't dis-chargeable in bankruptcy), you can use them to rebuild your score. Make your payments on time, all the time, and try to pay more than you owe whenever possible. Next to making on time payments, paying down your existing debt is one of the best ways to improve your credit score.

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Q: Can you get a personal loan even though you filled chapter 13?
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