Discharged Bankruptcy
While declaring bankruptcy can relieve you of the responsibility of paying debts, it does not wipe the slate clean.
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What is a Discharged Bankruptcy?
A discharge in bankruptcy permanently releases the debtor from obligation to pay certain types of debts.
How Long Does a Bankruptcy Stay on Your Credit Report?
- Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date.
- Chapter 13 bankruptcy will cycle off your credit report in 7 years after the filing date.
How Long Do Discharged Accounts Stay on Your Credit Report?
Delinquent accounts that are discharged during a bankruptcy will appear on your credit report for seven years from the date they were first reported delinquent.