Lenders who check your credit report will learn about a Chapter 7 bankruptcy for up to 10 years after the filing, while a Chapter 13 bankruptcy will stay on your credit report for up to seven years. Still, filing for bankruptcy doesn't mean you can't ever get approved for a loan. Depending on where your bankruptcy is filed, you may not be able to get credit during the bankruptcy without permission from the court. But once your bankruptcy is completed, your ability to get credit depends on your credit score and other factors.