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[barend31]

I filed in 2001 and thought it would be clear in seven years, that anniversary is in March this year and I was looking forward to it my credit has been spotless since then it is the only mark on it

[mate]

As far as I know, it has always been allowed to be on your credit report for ten years. You were just not allowed to file bankruptcy again for seven years. I had a friend that filed bankruptcy over ten years ago and he thought the same thing back then. But he had to wait for ten years to have it removed from his credit report.

[dallen47]

Federal government changed the rules in 2005.

Search 2005 Bankruptcy Reform Act

Part of the economic problems we are facing can be directly traced to the Congressional screwing consumers took in 2005. But hey, the banks get to gouge us now!

[unss94]

Bankruptcy was always 10 years. Consumer collections stay on file for 7 years.