How long will bankruptcy stay on my record? Upsolve Help 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 Should I use a law firm or file for myself? How long does it take my debt to be discharged? Can I get a credit card after filing for bankruptcy? Do you do things other than bankruptcy? How much debt do I need to file for bankruptcy? Comments 0 comments Please sign in to leave a comment.