How long does a chapter 7 stay on my credit report? 37 Answers as of July 19, 2012

How long does a chapter 7 stay on my credit report?

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Philip R. Boardman, Attorney at Law
Philip R. Boardman, Attorney at Law | Phil Boardman
Approximately 7 years.
Answer Applies to: Virginia
Replied: 7/19/2012
Bankruptcy Law office of Bill Rubendall
Bankruptcy Law office of Bill Rubendall | William M. Rubendall
Bankruptcy stays on your credit report for a long time10 years.
Answer Applies to: California
Replied: 7/16/2012
Moore Taylor Law Firm, P.A.
Moore Taylor Law Firm, P.A. | Jane Downey
Expect 7 years though it can be 10.
Answer Applies to: South Carolina
Replied: 7/16/2012
CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
That would be 10 years.
Answer Applies to: California
Replied: 7/16/2012
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
10 years, but can reestablish new credit sooner than that. Get a small secured card and use it wisely.
Answer Applies to: California
Replied: 7/16/2012
    Steven Alpers | Steven Alpers
    The chapter 7 will be on your credit report for at least 8-10 years.
    Answer Applies to: California
    Replied: 7/16/2012
    Barbara Fontaine, Esquire | Barbara Fontaine
    Your chapter 7 bankruptcy will be on your credit report for 10 years. This does not mean you cannot ever get credit before that time.
    Answer Applies to: Rhode Island
    Replied: 7/16/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    10 years. But, don't let that stop you from buying a new house or vehicle. Pay your debts on time and your credit will rebuild very quickly.
    Answer Applies to: Arizona
    Replied: 7/16/2012
    Weber & Phillips, P.A.
    Weber & Phillips, P.A. | John G. Phillips
    It will be on there for up to 10 years like other public records are. However, its negative effects may be over in as little as 2 years depending on your individual circumstances.
    Answer Applies to: Arkansas
    Replied: 7/16/2012
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    A chapter 7 can stay on your credit report for up to 10 years. However, simply because it mentions it in your credit report does not mean you can't get credit. Normally your credit score is back up in 2 to 3 years. For example some people are buying homes within 3 years of filing bankruptcy.
    Answer Applies to: California
    Replied: 7/16/2012
    Law Offices of Michael J. Berger
    Law Offices of Michael J. Berger | Michael J. Berger
    That would be 10 years.
    Answer Applies to: California
    Replied: 7/16/2012
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    As a public record it stays on your credit report for 10 years.
    Answer Applies to: California
    Replied: 7/16/2012
    Bodow Law Firm PLLC | Ted Araujo
    Ten (10) years, as all bankruptcies do.
    Answer Applies to: New York
    Replied: 7/16/2012
    Salberg Murdock
    Salberg Murdock | Jeffrey D. Salberg
    Ten years. However, as time passes, it's impact on your credit score lessens. I have clients who have credit scores in the low to mid 700s within two years.
    Answer Applies to: Utah
    Replied: 7/16/2012
    Jonathan P. Shultz | Jonathan P. Shultz
    A chapter 7 bankruptcy filing will stay on your credit report for 10 years. However, there are some key pointers that I will share with you to help you begin repairing your credit score right away - which is important because good credit is so crucial to one's financial health these days. The cost of poor credit is higher interest rates, and if we can help you become proactive about repairing your credit score post-filing, you will potentially save thousands of dollars in the long run!
    Answer Applies to: Colorado
    Replied: 7/16/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    That would be ten years.
    Answer Applies to: Colorado
    Replied: 7/16/2012
    Saedi Law Group
    Saedi Law Group | Lorena Saedi
    10 years from the date of filing.
    Answer Applies to: Georgia
    Replied: 7/16/2012
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