I have two medical bankruptcies on my report (7 & 13). No the account attached to the bankruptcy will not come off until either 7 years after the bankruptcy filing date or both creditors agree to have the account removed. So call both parties, even though they are from the same medical, and ask if they will remove it. If they agree get a letter for your own documentation. You may possibly be able to get at least one of them removed because both accounts are from the same medical business. You would have to go through the normal dispute process with all three credit bureaus.