How long is Chap 13 bankruptcy on a credit report after it is closed?

A common question people ask their bankruptcy attorney when considering bankruptcy is, “how will bankruptcy affect my credit report?” A bankruptcy filing is certainly going to have a negative impact on your credit report; however, if you have already been missing payments and have negative accounts on your report, your credit report is already hurting you.

A bankruptcy case will be reported under the public record section of your credit report. This same section of your credit report is where court cases involving creditor judgments are listed. A Chapter 13 bankruptcy case will be reported in the public records section for 7 years from the filing date of the bankruptcy case.