Directly behind the bale of stamps, is a crate containing a statue of William Pitt, Grenville's archenemy in the Stamp Act controversy.
You have the right to dispute mistakes on your reports under a federal law, the Fair Credit Reporting Act. If you ask for an investigation, the CRA or creditor who receives your dispute must investigate and respond within 30 days in most cases.
The 7 year reporting period is from the date of Chapter 13 filing, not from the date the several year Chapter 13 process is completed. The bankruptcy discharge date has no bearing or effect on when the bankruptcy filing information expires and is expunged from the credit report.