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How long does bankruptcy stay on my credit report?

Short answer

Up to 10 years for Chapter 7 and 7 years for Chapter 13. Many people begin rebuilding credit within a year or two.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

U.S. Courts: bankruptcy basicsuscourts.gov
U.S. Trustee Program: approved credit counseling agenciesjustice.gov
CFPB: debt helpconsumerfinance.gov