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How Long Does Chapter 7 Bankruptcy Remain on Your Credit Report? A Chapter 7 bankruptcy will usually stay on your credit report for ten years. But in general, this does not prohibit you from obtaining new credit and moving on with your life. In fact, most debtors start receiving new credit card offers shortly after they receive their discharge.
A Chapter 7 bankruptcy, which forgives almost all debts, stays on your credit report for 10 years. Chapter 13 cases, which are repayment plans restructured under court approval, will remain on your credit reports for 7 years.