when and how asked:


Now I know people say 7-10 years, but when does the clock start? Is it 7-10 years since the adverse inccident or 7-10 years after the last updated reporting onto your credit report?
Lets say you had a credit card that was included in a bankruptcy that was discharged in 1/2005 for example, but then in 1/2006 you disputed it and they confirmed once again that it was discharged in bankruptcy, would it be 7 years from 2005 or 7 years from 2006?

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