I have often been asked, "How long will a bankruptcy stay on my credit report?" A chapter13 bankruptcy public record may stay on your report for 7 years form the date it was filed. It is possible for the items included in the bankruptcy to be deleted earlier because their original deliquency date may be older than the filing.
A chapter 7 bankruptcy public record may stay on your credit report for 10 years from the date it was filed. Individual accounts included in the bankruptcy may be deleted earlier again because they come off after 7 years from the delinquency.
HOPE helps educate our clients through the maze of establishing healthy credit even after a bankruptcy. You can have a good credit report again. HOPE will teach you how. If you are interested in finding out more please call us at 704-503-3669. We are waiting on your call!