Is it possible to repair credit after a bankruptcy? A credit report shows a person's credit history and it can legally include a bankruptcy. A bankruptcy discharge will not erase pre-discharge creditors but it will show outstanding amounts as having a zero balance. This is a legal provision that specifically allows delinquencies to be reported but marked as zero. If this does not appear on a credit report it can be challenged. A bankruptcy can remain on a person's credit report for 10 years from the filing date. If the bankruptcy is filed and voluntarily dismissed by the debtor it is the responsibility of the reporting agency to include the dismissal on the credit report. It is important for a debtor who has filed bankruptcy to note the discharge on their credit report. Experts advise debtors that they may increase their credit worthiness after a bankruptcy when their debts are discharged. They no longer affect future income.