It's been more than 7 years since I declared bankruptcy and I am still being denied credit. How long before this is "really" off my credit history?
1 Answer from Attorneys
The bankruptcy can stay on your credit report 7 years from the date of discharge if you filed a chapter 13 and 10 years from the date of discharge if you filed a chapter 7.
Usually, things start getting better 2 years after a bankruptcy. If things are on your credit (for example a debt that was discharged in bankruptcy is still listed as outstanding) you can dispute it. However, I would need to see what is on your credit report to know why you are being denied.