I filed bankruptcy in Houston 5 years ago. How long does filing bankruptcy stay on my credit report?

If you file chapter 7 or chapter 11 bankruptcy, the fact that you filed shows on the "public record" part of your credit reports for 10 years from the date the bankruptcy was filed.

The individual "tradelines" or creditors that were listed on the bankruptcy and discharged should show a zero balance with a notation "account included" in bankruptcy, and they should be removed from your credit reports after 7 years.

Chapter 13 bankruptcy comes off your credit reports after 7 years. But it doesn't take nearly that long to re-establish credit.

Our firm does a "credit clean-up" for you after your bankruptcy discharge which increases your credit score from 25-150 points. We also currently offer bankruptcy clients a free "7 Steps to a 720 Score" video educational program that shows you how to reach a 720 score (when you qualify for the best interest rates) within 12-24 months following your bankruptcy discharge. The retail price of this program is $1000 at www.720creditscore.com.

J Thomas Black
Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization