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If you file ANY of a bankruptcy, consumer proposal, debt management plan or do a debt settlement, a not will appear on your credit report that can negatively impact your credit. In general: a first bankruptcy will remain on your credit report for six years (Equiax) or seven years (TransUnion) after you are discharged; a consumer proposal (or debt management or debt settlement plan will remain on your credit report for three years after all of your payments are completed.
The bankruptcy will be recorded as dismissed but, the case will remain on your report. When It Goes Away How long a bankruptcy, dismissed or otherwise, stays on your credit report depends on what chapter of the U.S. Bankruptcy Code you filed under. If you filed a Chapter 7 bankruptcy, the classic liquidation bankruptcy in which debts are wiped out but the trustee may sell off some of your assets, the bankruptcy case will remain on your credit report for 10 years from the date you filed your petition. For your Experian credit report, having filed a Chapter 13, in which you pay down your debts for several years before any are erased, the bankruptcy will stay on your credit report for seven years from the filing date. The date on which ...