Bankruptcy record cases more than 7 years ago. Will I need my paperwork in order to apply for credit?

Posted: September 2, 2014 at 6:20 am

If you filed a Chapter 7 bankruptcy it will show on credit reports for ten (10) years after the discharge date (not the filing date). Chapter 13 bankruptcy will stay on for seven (7) years. This is also from discharge date not filing date. When applying for credit with a lender they will tell you what schedules you need or just your discharge or perhaps the entire file. It is up to the lender.