How Long Does Bankruptcy Stay on Your Credit Report?

A Chapter 7 bankruptcy stays on your credit report for up to 10 years, while Chapter 13 remains for up to 7 years. However, this doesn’t mean you won’t be able to get credit before it falls off your report. It simply indicates that anyone reviewing your credit will see that your debts were either eliminated in Chapter 7 or restructured in Chapter 13. Despite this, credit can still be accessible depending on your financial situation and the type of credit you’re seeking.