How long a bankruptcy stays on your credit report depends on the type of bankruptcy you filed. Chapter 13 bankruptcies may be removed from your credit report after 7 years, whereas Chapter 7 and Chapter 11 bankruptcies can remain on your report for 10 years.ad Mark #6: Late Payments. If you’ve missed payments here and there, then you could actually be fine. Late payments aren’t generally reported to the credit reporting agencies unless they are 30 days past due. If that is the case, they will remain on your credit report for 7 years.