Chapter 7 stays on for 10 yrs from the date of filing 13 for 7 years. There are a lot of rumors aroun that they can be removed sooner and a lt of less than scrupulous credit repair agencies will say they can accomplish this. BUT to dispute something as 'not mine' when it is, is the same as committing credit fraud.
Okay now for the good news. The roa to recovery is not s long and arduous as some make it out to be. Most creditors are more interested in your recent history than old ht. Time heals all wounds, even FICO scores and BKs
