Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Filed Ch 7 BK in 2004 - on credit report for 7 or 10 years? - My husband filed Chapter 7 Bankruptcy in 2004. His credit report says it will be off in 2014, so 10 years. He was under the belief that it was 7 years - I didn't know him then, so I don't know what he was told. If the BK was filed in 2004, was it 7 years at the time and it has changed or was it always 10 years? br br 2nd part of the question..