The reporting of a BK is a separate adverse item of information that has its own credit report exclusion date. FCRA 605(a)(1).
The fact that the account was included in the BK imposes the requirment that the account be updated to show discharge of the debt, and also precludes the continued reporitng of new delinquencies on the debt. There is no requirement regarding deletion/exclusion of the account itself from your credit report based on the debt having been discharged by the BK.
The derogs reported under the account each have their own credit report exclusion periods, just as any other account.
What has been reported under the account?
