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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.
The article erroneously reports that a Chapter 13 personal reorganization bankruptcy appears on oneâs credit report for a period of 7 years from the date the case is completed. It warns that someone who successfully completes a Chapter 13 bankruptcy will have the âcloudâ of bankruptcy for 12 years. This is absolutely false. According to Maxine Sweet, Experianâs VP of Public Education, a Chapter 13 appears on a debtorâs credit report 7 years from the date of filing.