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How Long Does Chapter 7 Bankruptcy Remain on Your Credit Report? A Chapter 7 bankruptcy will usually stay on your credit report for ten years. But in general, this does not prohibit you from obtaining new credit and moving on with your life. In fact, most debtors start receiving new credit card offers shortly after they receive their discharge.
Q. How long is my bankruptcy listed on my credit report? A. Depends on the credit reporting company rules. A Chapter 7 liquidation can stay on the report for up to 10 years. A Wage Earner Chapter 13 stays for up to 6 years. Q. If the credit report shows a bankruptcy filing, does that mean I can't get a loan or a new credit card?