How Long Does Bankruptcy Stay on My Credit Report?

You may have wondered how long bankruptcy will remain on your credit reports if you consider filing for bankruptcy.

Many people believe that bankruptcy is the end of their financial journey and that they cannot achieve financial success in the future. We are often asked questions about how to proceed after bankruptcy. We are explicitly asked, “How long does bankruptcy stay in your credit report?” Although bankruptcy can have an effect on your credit score, it doesn’t necessarily last forever.

It is possible to rebuild your life after bankruptcy.

We’ll help you understand what happens to your credit after bankruptcy and how it stays on your credit reports.

What Determines Your Credit Score?

Credit scores are calculated based on information from your credit report. It will have an impact on your credit score for as long as it is still visible on your credit report.

After bankruptcy has been removed from your credit report, you’ll start to see an improvement in your score.

Consumers can file Chapter 7 or Chapter 13 bankruptcies. Each stays on your credit report for an entirely different length.

What Effects Chapter 7 Bankruptcy Has on Credit Reports?


Chapter 7 bankruptcy will remain on your credit report for a period of 10 years. The bankruptcy and all related accounts will be automatically removed after this period. The debt is never repaid. This explains why the time takes so long.

How Long Does Chapter 13 Bankruptcy Stay on Your Credit Report?


After 7 years, Chapter 13 bankruptcy should be removed from your credit reports.

Chapter 13 bankruptcy requires that you agree to a 3 to 5-year repayment program. Accounts that were delinquent before the bankruptcy filing can be removed from your credit reports sooner than 7 years.

This post was written by Trey Wright, a bankruptcy lawyer in Jacksonville FL with extensive experience! Talk to a bankruptcy attorney harrisburg nc, which specializes in areas related to bankruptcy law, estate planning, and business litigation.

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