How Long Does Chapter 7 Bankruptcy Stay On My Credit Report?

Posted by Wesley Scott on January 9, 2018 at 9:30 AM
Wesley Scott

Filing Chapter 7 Bankruptcy in Roseville, Minnesota is a life changing event. To me, there is no better way to get your life back than to push the reset button and move on with your life. Living with overwhelming debt is terrible and very stressful. Living without overwhelming debt is beautiful and happy. Still, the question remains- how long will this affect me? How long will a Chapter 7 filing remain on my credit in Roseville?


How Long Does Chapter 7 Remain On Your Credit Report? 

The answer is this: A Chapter 7 Bankruptcy remains on your credit reports for 10 years. This is a certainty and there is no way to remove this information, that we are aware of, prior to 10 years. People often think that Chapter 7 remains on their credit reports for 7 years, but this is not so. I think the confusion stems from the fact that it is a Chapter 7 Bankruptcy.

Chapter 7 and Your Credit 

Now, the bigger question is what does a Chapter 7 Bankruptcy remaining on my credit reports mean for my credit? First, would it surprise you if I told you most of our guests improve their credit after receiving a bankruptcy discharge? Why? Because you just went from a pile of debt to no debt. Having no debt is always better than having debt.

FREE 90-Day Credit Repair 

Second, with learning a few tricks from Kain & Scott’s FREE 90-DAY Credit Repair Program, your credit worthiness will soar dramatically! We know, because we have seen it happen to our guests! Most of our guests, who push the reset button and get their lives back, are able to obtain credit at competitive interest rates too!


When the time is right or when you are ready, reach out to Minnesota’s nicest bankruptcy law firm guaranteed or 100% off your fees at You will be glad you did!

Topics: Roseville