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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.
Thatâs a really interesting question. By law, bankruptcy can be reported for ten years from the filing date. The fact that the major credit reporting agencies remove Chapter 13 cases 7 years after filing is voluntary. So they arenât under any legal obligation to remove it that I am aware of. However, the intent of that program is to give you âcreditâ so to speak for repaying some of your debt.