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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.
A Chapter 7 can remain on your credit report for 10 years from the date of filing. I would advise you to send each credit reporting agency a copy of your report of filed claims and a copy of your discharge papers as soon as you get them. That way, they can no longer show the old debts as open with balances.