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A Chapter 7 bankruptcy may stay on credit reports for 10 years from the filing date, while a Chapter 13 bankruptcy generally remains for seven years from the filing date. Its possible to rebuild credit after bankruptcy, but it will take time.
Bankruptcy Discharge and Your Credit Thats because the bankruptcy filing and discharged debts can stay on your credit report for seven or 10 years. However, a debt showing up on your credit report as discharged may be less harmful than an unpaid debt that lingers indefinitely on your credit report.
Save all paperwork from your bankruptcy case. Though it may not seem like a critical step, save all paperwork from your bankruptcy case. Start saving money. Build a budget. Reestablish good credit. Regularly monitor your credit reports. Maintain your job and home. Make an emergency fund. Set financial goals.
Discharge from bankruptcy means that the period of bankruptcy has finished and the person is no longer an undischarged bankrupt. This usually occurs automatically, three years and one day after the bankrupts statement of affairs is accepted, although the period of bankruptcy can be extended.
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