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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.
In contrast, you may not receive a Chapter 13 discharge until four years have passed since filing for a Chapter 7 bankruptcy. To file a Chapter 7 bankruptcy after a Chapter 13 discharge, you must wait six years from the filing date of the prior Chapter 13 bankruptcy.