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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.
How Long Negative Information Can Be Reported. Here are the rules on how long negative information may be included in your credit reports: Bankruptcies may be reported for no more than ten years from the date you filed for bankruptcy. If your case was dismissed (so you did not get an order discharging your debts), the ten years starts from the date of the dismissal.