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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.
Most people researching bankruptcy have read that a bankruptcy will stay on your credit report for 10 years from the day you file. Itâs true that a Chapter 7 bankruptcy will stay on your credit report for 10 years, but thatâs not the case for a Chapter 13 bankruptcy. Chapter 13 bankruptcy requires to repay a certain amount of your debt for a period of three to five years.