Ask an Attorney - Bankruptcy and Rebuilding Credit After Bankruptcy
If you file for bankruptcy relief under Chapter 13, it will stay on your bank report for seven years. If you file under Chapter 7, it will stay on your credit report for 10 years. Late payments that you make will stay on your credit report for seven years. You can rebuild your credit after bankruptcy by making timely and consistent payments to your creditors, reaffirming certain types of debts and by making wise credit decisions going forward.