Calculator
Post-Bankruptcy Credit Rebuild Timeline
See where you are in your rebuild journey, what score to expect, and when you'll hit key milestones.
Your Situation
Estimated Score450Poor
Bankruptcy Falls Off ReportApr 203610 years remaining
Mortgage Readiness24 months to FHA48 months to conventional
Your Rebuild Milestones
✓
Month 0Discharge — Pull credit reports, dispute errors
2
Month 1Open secured credit card (Discover it Secured)
3
Month 3Start $500 emergency fund
4
Month 6Open credit-builder loan + sign up for Experian Boost
5
Month 8Request credit limit increase on secured card
6
Month 12Apply for first unsecured card (target: 580+ score)
7
Month 18Add second credit card — diversify issuers
8
Month 24FHA mortgage eligible (Ch7)
9
Month 36Target 680+ score — qualify for most unsecured products
10
Month 48Conventional mortgage eligible (4 years post-Ch7)
Disclaimer: Score estimates are directional based on general credit scoring patterns. Actual scores depend on your complete credit history, payment behavior, and scoring model used. This tool is for educational purposes only.