BANKRUPTCY & DEBT CALCULATORS

Credit Score Recovery Time Calculator — United States

Estimate how long a Chapter 7 or Chapter 13 bankruptcy stays on your US credit report and how quickly your FICO score can rebound.

Enter Your Details
Results

Enter your details to see results

Disclaimer: This is an educational estimate, not legal or financial advice. Insolvency rules, thresholds, and exemptions change and vary by jurisdiction. Consult a Licensed Insolvency Trustee (Canada) or a bankruptcy attorney (United States) before acting.

Related Calculators

Chapter 13 Disposable Income · Debt Settlement Savings · Chapter 7 vs Chapter 13 · Debt Snowball vs Avalanche · Bankruptcy Cost Estimator

This estimate is one piece of a larger picture — the court costs recovery calculator shows a closely related piece, while the child custody time calculator and the fcra credit report error damages calculator cover the questions that usually follow.

Frequently Asked Questions

How long does bankruptcy stay on my credit report in the US?
Under the Fair Credit Reporting Act, a Chapter 7 bankruptcy remains for 10 years from the filing date. A Chapter 13 bankruptcy remains for 7 years from the filing date because it involves repayment of debt.
How soon can my FICO score recover after bankruptcy?
Scores often begin recovering within a year of discharge if you rebuild actively. Many people reach the mid-600s within 2 to 3 years by using secured cards, keeping utilization low, and paying on time, even though the record remains for 7 to 10 years.
Can I get a mortgage after bankruptcy?
Yes. FHA loans generally require a 2-year wait after Chapter 7 discharge (1 year into a Chapter 13 with court approval). Conventional loans typically require 4 years after Chapter 7. Rebuilt credit and stable income improve your terms.
What is the fastest way to rebuild credit after Chapter 7 or 13?
Open a secured credit card right after discharge, become an authorized user on a well-managed account, keep balances under 30 percent of limits, and never miss a payment. A credit-builder loan adds positive installment history.

Need legal help with your claim?

Embed this calculator

Copy the code below and paste it into your website.

The embed includes a "Powered by Lexscale.ai" attribution that links back to the original calculator.

Ready to grow your firm with AI?