I have often been asked, "How long will a bankruptcy stay on my credit report?" A Chapter 13 Bankruptcy public record may stay on your report for up to 10 years from the date filed or up to 7 years from the date of discharge, whichever occurs first. A Chapter 7 Bankruptcy public record may stay on your credit report for up to 10 years from the date it was filed. 

HOPE4USA helps educate our clients through the maze of re-establishing healthy credit, even after filing for a bankruptcy. You can have a good credit report again even post bankruptcy. HOPE4USA would love to teach you how and help you to try clean up any mistakes on your credit reports (which commonly occur during a bankruptcy) at the same time. If you are interested in finding out more please call us at 704-499-9696. We are waiting on your call!


Ron Lambright is an expert with over a decade and a half of experience in credit repair, credit improvement, credit reporting, and credit scoring. Ron is called upon weekly to speak at various seminars educating attorneys, loan officers, Realtors, other professionals, and consumers regarding the complex subjects of credit reporting and credit scoring. He is regularly featured on talk shows and podcasts and has been published in countless articles, educational handbooks, and blogs. He is an expert at teaching consumers and business owners how to achieve their credit related goals. Connect with Ron on Facebook here