What impact will filing bankruptcy have on my credit?

It’s impossible to say for sure. A bankruptcy can remain on credit reports for ten years (but generally come off sooner in a Chapter 13 bankruptcy). Every creditor has its own policy about loaning to someone with a previous bankruptcy. Your future ability to get credit will depend on the amount of your income, whether you’ve had late payments or other credit problems since the bankruptcy was discharged, and how long it’s been since the bankruptcy was filed.