Apr 09, · A Chapter 7 bankruptcy allows you to repay your creditors in order to settle your debts. However, you have to meet a means test in order to be able to file for this type of bankruptcy. Once you do file, it takes up to ten years for a Chapter 7 to come off your credit report, assuming you don’t take any actions to have it removed sooner. Jan 20, · The accounts will remain on the report until seven years from the date of the original delinquency. The bankruptcy stays on seven or ten years after filing. So the agency will typically remove the accounts the bankruptcy includes from your credit report first. Their delinquency dates will pretty much always precede the bankruptcy filing date. Apr 20, · How Can I Remove A Bankruptcy From My Credit Report Early? 1. Check Your Credit Report For Bankruptcy Errors. In this step, you’ll need a copy of all 3 of your credit reports. 2. Dispute Inaccurate Bankruptcy Entries With A Credit Dispute Letter. With a Credit Dispute Letter, what you’re looking.