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Discharged Bankruptcy

While declaring bankruptcy can relieve you of the responsibility of paying debts, it does not wipe the slate clean.

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Account Reported as Potentially Negative after Bankruptcy

I went through Chapter 13 bankruptcy. I paid all that I owed, and...

What is a Discharged Bankruptcy?

A discharge in bankruptcy permanently releases the debtor from obligation to pay certain types of debts.

How Long Does a Bankruptcy Stay on Your Credit Report?

  • Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date.
  • Chapter 13 bankruptcy will cycle off your credit report in 7 years after the filing date.

How Long Do Discharged Accounts Stay on Your Credit Report?

Delinquent accounts that are discharged during a bankruptcy will appear on your credit report for seven years from the date they were first reported delinquent.