I had filed Ch.7 personal bankruptcy few years ago, although I am not proud of it, but it doesn’t seems to hurt my credit score too bad. I am not aware of my credit score before the bankruptcy, but for the last 2 years my score remains at about 700, which is not bad, I don’t think my score was 800+ before the bankruptcy. Recently I even got approved with high limit credit cards with 0% APR for 12 months, and banks that had written off my debt offer me credit card again. Everyone says bankruptcy is a nuclear bomb to the credit score and profile for 10 years, but it doesn’t seems to be so in my case. Does all the negative associate with bankruptcy are truth or myth ?