How long a bankruptcy really stays on your report
Ten years for Chapter 7, seven for most Chapter 13 — and the accounts inside have their own clocks.
A Chapter 7 bankruptcy reports for ten years from the filing date; a completed Chapter 13 generally reports for seven. Those are the outer limits for the public record itself, and they aren't negotiable through a dispute if the record is accurate.
The individual accounts discharged in the bankruptcy are a separate matter. Each falls off seven years from its own first delinquency, and each must report a zero balance and a status reflecting discharge. Discharged debts still showing a balance owed are one of the most common post-bankruptcy reporting errors.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.