If you want to put your credit reports in order (it is important that all your credit reports are equal), you should turn to credit bureaus and ask your credit reports to be given to you. If something is missing, you should ask them to add it, if something is incorrect, they should remove these items. If you had bankruptcy, it will stay in your report for 7-10 years, depending on the chapter you filed for. You can't remove bankruptcy record within this period, and after it expires you should see about these items to be removed.
All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.