I filed Chap. 7 bankruptcy in April 2004.  It was dismissed because I did not have enought assets to proceed in Nov. 2004.  How can I get the 3 bureaus to remove this from my credit report.  I have been denied credit based on the filing even though nothing was discharged!!!  I subsequently re-mortgaged my home and paid off credit card debts at negotiated amounts.  These are listed as "0" balance but with a notation "charge Off".  How can I clean up my credit report?