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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.
According to the Fair Credit Reporting Act, a bankruptcy can only remain on your credit for up to ten years after your filing date. However, a Chapter 13 bankruptcy will typically be removed from your credit report after seven years.Keep in mind that the clock starts running when you file your case, not when you receive your discharge.owever, there are steps you can take to rebuild your credit and avoid bankruptcy in the future. Read on to learn more about life after Chapter 13 bankruptcy. For an overview of how Chapter 13 bankruptcy works, see our Chapter 13 Bankruptcy topic area.