How long does bankruptcy stay on your credit report?

Under the FCRA, Chapter 7 bankruptcy may be reported for 10 years from the order; Chapter 13 often 7 years (shorter completed repayment scenarios under bureau policies—confirm with current CRA policies and statute). ^[1] Chapter 7 discharge basics appear in Title 11. ^[2] Credit rebuilding Secured cards, on-time payments, and budgeting help after discharge. Effect on score Scores can recover over time as negatives age. Creditor visibility Discharged debts should show zero balance but the case may remain on report for the reporting period. ^[1]