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mtfam5 wrote:hii filled a BK7 11 years ago, and its no were to be seen on my reports which is in good standings.now.. if a question on a loan froum comes up " did u ever claim BK" i can say "NO" right?plz advisethanksmikeGood question if its nowhere to be seen I would say no or leave blank intantionally. Most apps ask if you've ever filed in the last 7-10 yrs. After the BK expires that is supposed to be your chance for a fresh credit start and that question violates that. Now if asked on a job application, I would say yes as it will probably be obtained through public records. With the new credit check systems I have found that I have been asked questions on verification of application information obtained from public records.I'll research it more and get back to you... interesting