how long before a bankruptcy is off my credit report
The time before a bankruptcy is removed depends on your individual chapter of bankruptcy filing. If you filed a Chapter 7 Bankruptcy, the bankruptcy will be removed from your credit report 10 years from the date you filed. If you filed for a Chapter 13 Bankruptcy, the bankruptcy will be removed 7 years from the date you filed; not from the time of discharge. Keep in mind that a Chapter 13 bankruptcy involves a debt repayment plan so typical discharges occur 3-5 years after filing.