It depends.  Some financial institutions openly solicit business from people who have recently filed under Chapter 7, apparently because it will be at least eight (8) years before they can file under Chapter 7 again, and their financial situation is better because they have little or no debt.  If there are compelling reasons for filing under a Chapter 7 that are not within your control (such as illness or injury), some credit rating agencies may take that into account in rating your credit after filing.  Inquire with our office for detailed information on ways to reestablish your credit.  It is often possible to totally reestablish good credit 6 months to 2 years after filing.