bankruptcy public records explained for borrowers and businesses

What they are and where they appear

Bankruptcy public records are official court filings that document a debtor’s case, including the chapter, case number, filing date, schedules, and the final discharge or dismissal. Because they are public, anyone can review them, though access may require registration or fees.

• Courts and PACER host the complete docket and orders.
• Credit reports list a summary entry that affects scores.
• Vendors use them for due diligence and risk screening.

Duration and impact

In the United States, a Chapter 7 can appear on credit reports for up to 10 years, while Chapter 13 typically reports for 7 years. The court record itself does not expire, but its visibility varies by system. Lenders weigh the age of the case, post-filing behavior, and any reaffirmations.

Practical tips to make informed decisions

Verify names, dates, and case numbers to avoid mistaken identity. Dispute inaccuracies with the bureau and attach the discharge order. Keep certified copies, monitor updates, and be cautious with data resellers. For counterparties, read the docket, not just headlines.