No — Chapter 7 stays on your report for 10 years and Chapter 13 stays for 7 years, but most people see their score recover meaningfully within 12–24 months of discharge. With strategic post-bankruptcy rebuilding, scores in the 700s are achievable within 3–5 years. Here at Credisure Fix, we build the post-bankruptcy recovery roadmap and make sure the bankruptcy is reported accurately.
Understand the next steps
Explore these related guides for more detail, practical considerations, and sources.
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