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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.
This is due mainly in part to the length of time it shows up on a credit report. It can take 7-10 years for it to be removed, depending on the filing. For Chapter 13 bankruptcies, there is a 7-year waiting period. This is a bit shorter than a Chapter 7, which lasts for 10.