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Any type of bankruptcy will remain on a credit report for the required ten years. They frequently use the discharge date as the start date.

As a matter of Public court records, it is available other ways too for just about forever.

Credit agencies just report the (hopefully accurate) history. They are basically free to do and change their policies as they feel best suits their customers needs.....who may request background reports for any period of time they wish...and consider any items reported as important to their decision or not, as they wish.

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Q: If when a bankruptcy was filed in 2001 the reporting duration was identified as 7 years how could this change legally in 2005?
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