Bankruptcy Dropped From Your Credit Report

[rockup55]

Not sure I am putting this question in the right place.  Does a Chapter 13 Bankruptcy drop off your report 7 years from filing for 7 years from discharge.  Secondly, once a Bankruptcy drop off and you applied for a mortgage and your score was pretty good because the Bankruptcy had been dropped, aren't you still obligated to tell the lender that you had a bankruptcy in the past if hey asked and doesn't that disclusure negate the fact that it dropped off your report.

[rckstrscott]

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@rockup55 wrote:

Not sure I am putting this question in the right place.  Does a Chapter 13 Bankruptcy drop off your report 7 years from filing for 7 years from discharge.  Secondly, once a Bankruptcy drop off and you applied for a mortgage and your score was pretty good because the Bankruptcy had been dropped, aren't you still obligated to tell the lender that you had a bankruptcy in the past if hey asked and doesn't that disclusure negate the fact that it dropped off your report.

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Once it falls off, your score will recover.

Yes, you have to disclose it on your mortgage application.

No, it shouldn't negate the fact it dropped off your report.  

-scott

[guiness56]

7 years from date of filing.