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jrmac51

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bankruptcy does not indicate chapter 7 or 13- How long until removed
bankruptcy 9 year old

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If you made monthly payments to a trustee for three to five years, yours was a Chapter 13 and that generally falls off 7 years after that final payment.  A Chapter 7 drops off ten years from the date of discharge (when you were legally discharged from having to repay the debt).  This information should show on yoiur copy of the bankruptcy papers. 

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Almost correct, jwsister. A Chapter 13 does involved payments over time to a trustee, but it will fall off of your credit report 7 years after it was filed with the court It drops off earlier because you made the effort to partially reay the debts. I promise you that you would know if you went through a Chapter 13 bankruptcy, because those monthly payments to the trustee is basically all of your extra money (and you would have been required to report any raises you got over 5%, hand over your tax refund check to the trustee, etc.)
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A Chapter 7 involves no payment plan, and will remain for 10 years after it was discharged (or granted). The reason it stays on longer is because you didn't have to repay the debts. Odds are pretty good that this is what you had, and it will remain on your credit reports for one more year.

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