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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.
The good news is that a bankruptcy filing doesnât stay on your credit report for eternity. A Chapter 13 bankruptcy filing typically stays on a credit report for up to 7 years, while a Chapter 7 bankruptcy filing usually stays on for up to 10 years.This doesnât mean you wonât be able to get any credit during that time period, but it will likely be more difficult to find lenders or find great interest rates. Chapter 13 bankruptcy filing typically stays on a credit report for up to 7 years, while a Chapter 7 bankruptcy filing usually stays on for up to 10 years. This doesnât mean you wonât be able to get any credit during that time period, but it will likely be more difficult to find lenders or find great interest rates.