A filer's household income over the prior six months is compared against Montana's median income for a household of the same size. How Long Bankruptcy Stays on a Credit ReportA Chapter 7 filing can remain on a credit report for up to ten years from the filing date. Rebuilding Credit After a Montana Bankruptcy Case ClosesRecovery can begin the same day a Chapter 7 discharge is granted or once a Chapter 13 plan is completed. A secured credit card, which requires a cash deposit that sets the credit limit, gives filers a low-risk way to start rebuilding on-time payment history. For Montana residents anywhere in the state weighing this decision, a consultation before filing is generally the first step attorneys recommend.