As far as remember goes they mean the exact same thing. Recordar algo = Acordarse de algo. Acordarse  needs the de recordar doesn't. Recordar also can mean to remind and acordar to agree.
Typically Bankruptcies will stay reported on your Credit Report for 10 years (per Fair Credit Reporting Act (FCRA) ). However, fortunately, most of the Credit Reporting Agencies will remove then after 7 years has passed.
A credit report, or credit file disclosure, is a record of your credit activities. Your credit is very important in determining how much you can borrow, the interest rate and the terms.ost of this information, as well as information on your various credit accounts, will be on your report for seven years. Personal bankruptcies will be reported for 10 years. No one can remove correct information from your report, even if it is negative.