Does bankruptcy always stay on your credit score? 18 Answers as of April 17, 2015

How long does bankruptcy stay on your credit report?

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Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
10 years, but you can rehabilitate your credit sooner than that. It helps if you have a car or house payment that you make on time post bankruptcy.
Answer Applies to: California
Replied: 4/17/2015
Stephens Gourley & Bywater | David A. Stephens
It can stay on your credit report for 10 years.
Answer Applies to: Nevada
Replied: 4/16/2015
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Between 7 and 10 years. But there are ways to rebuild your credit. Do not despair.
Answer Applies to: Colorado
Replied: 4/16/2015
EDWARD P RUSSELL | EDWARD P RUSSELL
10 years for ch 7; 7 years for ch 13.
Answer Applies to: Minnesota
Replied: 4/16/2015
Eranthe Law Firm
Eranthe Law Firm | Cate Eranthe
10 years. Can rebuild credit in as little as 2 years. Impact on credit usually is not worse than all the late payments, charge offs, etc.
Answer Applies to: California
Replied: 4/16/2015
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    10 years
    Answer Applies to: New York
    Replied: 4/16/2015
    Patrick W. Currin, Attorney at Law | Patrick Currin
    Eventually it falls off in 7-10 years.
    Answer Applies to: California
    Replied: 4/16/2015
    Novakov & Associates, PLLC
    Novakov & Associates, PLLC | LINDA S. NOVAKOV
    Generally the bankruptcy is reported for a period of 10 years.
    Answer Applies to: Kentucky
    Replied: 4/16/2015
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    A bankruptcy will remain on your credit report as a notation for up to 10 years. However, most creditors rely on the FICO score to make a lending decision and seldom actually look at the credit report itself. The bankruptcy is a one time big ding to your credit, whereas late payments ding you month after month.
    Answer Applies to: Nevada
    Replied: 4/16/2015
    Ronald K. Nims LLC | Ronald K. Nims
    Like everything else, bankruptcy stays on your credit report for 10 years but your credit score is weighed towards recent items. So if you avoid negative information after the bankruptcy, your credit score will improve immediately.
    Answer Applies to: Ohio
    Replied: 4/16/2015
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    A bankruptcy remains on your credit for 10 years.
    Answer Applies to: California
    Replied: 4/16/2015
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