M-28 is the longest state trunkline in Michigan numbered with the M- prefix at 290.373 miles (467.310 km). The entire highway is listed on the National Highway System, while three sections of M-28 are part of the Lake Superior Circle Tour. M-28 also carries two memorial highway designations along its route.
Our point is that you can rebuild your credit score, sometimes in twelve months, and almost always in two years. The key to rebuilding credit after a bankruptcy is to take two critical steps. First, you will need to open new lines of credit. Second, you will need to pay your bills on time.
Bankruptcy will ruin your credit for some time to come. A Chapter 7 bankruptcy can remain on your credit report for up to 10 years. Although a bankruptcy stays on your record for years, the time to complete the bankruptcy process under Chapter 7, from filing to relief from debt, takes only about 3-6 months. If you decide against Chapter 7 when it may be the right decision for you, your missed debt payments, defaults, repossessions, and lawsuits will also hurt your credit, and may be more complicated to explain to a future lender than bankruptcy.