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Chapter 13 Bankruptcy allows consumers to restructure their debts over a three to five year period to allow more affordable monthly payments and could be achieved outside of bankruptcy but many debtors worry that their credit score wont improve during that time making it difficult for them to obtain credit afterward conventional wisdom says that you have to use credit to build credit and debtors can use credit while theyre in a Chapter 13 with a Courts permission for example a person who travels for work is going to need a credit card a debtors credit score will improve during the chapter 13 if those credit card payments are made on time Endeavor should monitor his or her credit report and dispute any debt and accuracies many credit repair companies clean up a credit report by disputing all debts this can result in an increase in the credit score within 45 to 60 days of the disputes being made but using the dispute process is a way to create a manufac