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1 Judgments may be reported for seven years or until the statute of limitations has expired, whichever is longer.  Bankruptcies may be reported for 10 years, though the credit reporting agencies will remove completed Chapter 13 cases seven years after the filing date.
2) Go to your courthouse, Get a copy of the paperwork that states that the BK has been dismissed/discharged (it should only be a few dollars). 3) Write to all three of your credit bureaus and send a copy of the discharge with a challenge stating that the bankruptcy was dismissed on the attached date (proof enclosed). It will take a couple of weeks but the BK will be taken off of your repord.