Your credit during and after completion of your chapter 13 plan will be, as it is now and was in the past, which is the personal opinion of any lender who looks at your credit record. A credit rating is is a record of your past credit performances. This record is made available to a creditor and that creditor decides by its own standards whether or not it will grant credit to you. Lawsuits, collections, attachments, garnishments, foreclosures, chapter 7 and chapter 13 bankruptcies are indications of credit problems. After many years and thousands of fully paid chapter 13 cases in this area, our office and the chapter 13 trustees have found a good many knowledgeable lenders looking favorably upon those who have paid their debts according to a chapter 13 plan. Any credit record that has been blemished by a payment problem must be gradually rebuilt. chapter 13 is a good place to start and is certainly preferable to judgments, garnishments, repossessions, foreclosures, etc.