> it's well known bankruptcies stay on your credit report for 10 years. But it's less well-known that Chapter 13 bankruptcies stay on your credit report for 7

> it's well known bankruptcies stay on your credit report for 10 years. But it's less well-known that Chapter 13 bankruptcies stay on your credit report for 7 years, which had already passed. Chapter 13 represents about one-third of all bankruptcies. Chapter 13 is less common, because it's more difficult to go through, and takes longer, but it has substantial benefits. The article doesn't say what chapter she filed under, but it's easily plausible that it was Chapter 13, and the bankruptcy had already fallen off her credit report.