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How Long Does a Bankruptcy Stay on My Credit Report?

A Chapter 7 bankruptcy filing can legally remain on your credit report for up to 10 years. Credit reporting bureaus typically remove a Chapter 13 bankruptcy filing from your credit report after 7 years. That may seem like a long time, but remember that you can typically bring your credit score up much sooner than that by developing good financial habits after bankruptcy.


“I was caught up in the financial crisis and needed to file bankruptcy. His fee was a lot lower than other bankruptcy lawyers. All my credit card debt was erased within 4 months. Definitely recommend John.”
– AW, ★★★★★

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