Bankruptcy credit repair is a process taken on by individuals that are making an attempt to recover from the negative effects of a bankruptcy. This generally occurs in personal bankruptcy, after one of three types - Chapter 7, Chapter 11, or Chapter 13. After any of these bankruptcies, the individual who has filed will face very undesirable changes to their credit. Most visibly, the person's credit score will be affected, meaning that their rating will show they are no longer in good standing. As a result, it will be difficult for the person to receive what might seem to be commonplace financial needs, especially within several years following. Attaining a mortgage, for example, will be harder to achieve since most lenders will be unwilling to consider such an individual as a borrower. By entering into the process of credit repair, those who have been affected by bankruptcy will attempt to clear themselves of their credit ailment as quickly as possible.