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Generally, it is ten years. However, how long the bankruptcy is reported depends on the credit scoring formulas used by the credit reporting agencies. There is no one credit score or credit report. Different clients of the reporting agencies want people sorted in various ways and negative items left on for however long the agencys' clients want them to. The only way to find out is to call the three largest, Equifax, Experian and Trans Union. You can find their phone numbers by Googling the names.