Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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Bankruptcy stay on your credit report for 7 years. However, it can still be a basis for denying a loan at any time so long as the lender can prove the filing puts you at a higher risk to default.
Let me make one clarification.
A bankruptcy can remain on your credit report for up to 10 years, but it is customary for it to be removed after 7.