I used my yearly free credit report this morning and looked at all 3 reporting companies. I notice my bankruptcy does not appear on any of the 3 reports. What's strange is that the bankruptcy was discharged in May 2003. So I thought that it would be in June or July of this year before the bankruptcy would be removed. It's a chapter 7 which I was told would be on there for 10 years. It was there in January 2013 because I applied for a loan and the guy asked me about it. Why would it drop off early like this? Not complaining but just curious.
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