How long will my bankruptcy remain on my file? 24 Answers as of August 24, 2011

Although a bankruptcy filing remains on your credit record for up to ten years, many creditors disregard bankruptcy after five years. In a short time, you can probably rebuild your credit to the point that you won't be turned down for a major credit card or loan. Most major creditors look for steady employment and an ability to repay. If you can establish a history of making and paying for purchases on credit since bankruptcy, you are well on your way to rebuilding your credit rating. Ways to establish credit include getting a secured credit card (line of credit is based on the amount of money on deposit in your savings account), taking out a loan with a relative or friend as cosigner, and setting up a payment schedule for purchase of items with a local merchant (i.e., jewelry, furniture, or appliance store).

10 years.

As a public record, it stays on your credit report for ten years, just like a judgment or a tax lien which are also public records would as well.

If you filed a Chapter 7 case, it can remain on your credit reports for 10 years.

Bankruptcy is a judgment and will be listed for a period of up to 10 years after the discharge. Thank you!

A bankruptcy filing may be reported by credit bureaus for 10 years. It will be a public record forever. We have had bankruptcy references removed from credit reports, but it is difficult to do.

It remains of record for 10 years. If you kept a car or house and paid on time, get a statement from your lender(s) for each year you were in good standing and have that added to your credit report. You could get a secured card (one w/o up-front fees) and pay it off monthly. You could try the same with a gas card. But don't make a lot of applications because that will hurt, too.

No. As I am sure your attorney told you when you filed, Chapter 7s remain on your history for 10 years. Chapter 13s are there for either 7 or 10 years. That is set by law.

The filing of a chapter 7 bankruptcy can show on public records for 10 years from the date it was filed. For chapter 13's, the credit bureaus report it for 7 years from the date filed. There is no legal way to have it removed, if it is accurate. You should not be having that much of a problem rebuilding your score, if your discharged debts are reporting properly, and if you are paying any remaining or new debts on time. Many of my clients can get into the mid-600's credit score after one year, and 700 or more after two years. You should obtain your free credit reports once per year at www.annualcreditreport.com and dispute any inaccurate information. For example, the debts discharged in bankruptcy should read as a zero balance, with a notation that they were discharged in bankruptcy.

10 years on public record part of credit report.

Bankruptcy will show up on your credit report for up to 10 years. Like everything else on your report (good and bad) the further in the past it is, the less effect it has on your credit score. Every day your bankruptcy filing is further behind you. Every day, your credit improves as a result.

Your bankruptcy will remain on file for ten years. Although there are numerous companies who advertise that they can remove items from your credit report, most of them are not truly able to do so.

When you file for chapter 7 bankruptcy, it remains on your credit report for a period of 10 years. With that said you can start to re-build your credit immediately after filing.