Looking to rent an apartment
Yes and no.
By "eviction" I assume that you mean that your landlord sued you and got a court order allowing them to evict you, and that the same order probably determined that you owed a certain amount of money to that landlord. The bankruptcy discharged the underlying debt, so they can no longer try to collect that money from you, but it does not eliminate the legal fact that a judgment was taken.
The net result should be that the tradeline for this creditor on your credit report(s) should show zero balance owed, but the public records section of those same credit reports can show that a judgment was taken. I'm not sure how long that stays there, but it's probably 7 years from the date of the judgment, in which case that should be falling off later this year.
You should also be aware that landlords often use one or more private credit reporting systems other than the big 3. The same rules apply to them, but they are harder to find. If you get turned down for an apartment (or a loan, or insurance, or anything else) be sure to demand that they tell you exactly which credit report they used, and how to contact them. As a general rule, save every credit report that you get for the rest of your life.
Negative credit and a Chapter 13 repayment can reflect on your credit report for 7 years and it is possible that the public record of the lawsuit that brought about the judgment/eviction could stay longer. The best action to take is to review each credit report using www.annualcreditreport.com. You are entitled to a free report from each reporting agency every 12 months. Unless you want your score, you don't enter a credit card number, there is no subscription or service and it is truly free. If you see something on the report that you want to dispute, there is a free process for doing so. This will allow you to review all of the reports so that YOU are aware exactly what a creditor or prospective landlord would see so that you can be prepared to discuss it with him or her if needed.
Keep in mind that many people who seek to rent have experienced financial difficulties with the ups and downs in the economy over the past 10 years, so depending on your area, it may not be as difficult as you think to find a rental property that fits your needs. Be prepared by knowing your report, clean up any errors and then hopefully the negative reporting will actually fall off this year which will further boost your score and your anxiety level. Good Luck to you and congratulations on completing your repayment plan!
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