Money & Debt
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Effects of a chapter 7 bankruptcy on my credit history
A bankruptcy will stay on your credit history for 10 years from the filing date of your bankruptcy, even if you received a discharge in your bankruptcy case. This means that when you apply for a loan, the lender will be able to see that you have filed for bankruptcy for 10 years after you file.
During this 10-year period, many lenders may not give you a loan, or they might charge you a higher interest rate.
Last full review by a subject matter expert
August 04, 2022
Last revised by staff
August 04, 2022
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