How long will bankruptcy stay on my record? Nic Ruiz June 06, 2018 15:12 Chapter 7 bankruptcy stays on your credit report for 10 years. But most Chapter 7 debtors with low credit scores see their credit scores improve post-bankruptcy. See the study. Related articles How long does it take my debt to be discharged? How To Tell Whether Filing Bankruptcy Now Will Actually Improve Your Situation I received a letter for a 341 meeting. What is this? I'm married. Will filing for Chapter 7 bankruptcy affect my spouse? Comments 0 comments Article is closed for comments.