A bankruptcy can remain on a credit report for different lengths of time depending on the type of bankruptcy filed:

• Chapter 7 bankruptcy typically stays on a credit report for up to 10 years from the date of filing. This type is often called liquidation bankruptcy and involves selling nonexempt assets to pay creditors

• Chapter 13 bankruptcy generally remains on a credit report for 7 years from the filing date. This type involves a repayment plan to creditors over several years without liquidating assets

These timeframes are standard and after they expire, the bankruptcy should automatically be removed from credit reports. The presence of bankruptcy can negatively impact credit scores, but its effect typically diminishes over time before it eventually falls off the report

. In summary:

Bankruptcy Type| Time on Credit Report
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Chapter 7| Up to 10 years
Chapter 13| Up to 7 years

This is consistent across the three major credit bureaus (Equifax, Experian, and TransUnion), which gather bankruptcy information from public records rather than directly from courts