How long can a bankruptcy be reported on a credit report under FCRA?

Under the Fair Credit Reporting Act (FCRA), a bankruptcy can remain on a credit report for a duration of 10 years from the date of filing for Chapter 7 bankruptcy. However, for Chapter 13 bankruptcy, it can only be reported for 7 years. Since the question does not specify the type of bankruptcy, the correct general timeframe to remember is that bankruptcies related to Chapter 7 filings are reported for 10 years, while Chapter 13 may be reported for 7. This is an important distinction in understanding the impact of bankruptcy on credit history and consumer credit reports. Therefore, if focusing on general reporting for a Chapter 7 bankruptcy context, the answer is indeed the maximum timeframe of 10 years.

In the context of bankruptcy reporting limits, understanding these durations is critical for consumers and professionals who deal with credit histories, as it affects how long a bankruptcy can impact creditworthiness and the availability of credit post-bankruptcy.