I filed bankruptcy three years ago. For just filing bankruptcy such a short time ago, my current score isn't the best but most certainly isn't the worst. I fall into the high fair range....just under good.
According to Experian, one thing bringing down my credit score are late payments. I was not one day late on anything when I filed bankruptcy. After I filed, I of course stopped paying as directed by my attorney.
Some of my accounts kept listing delinquencies for a year or more after I had filed until they finally marked the bankruptcy.
Shouldn't the items show good up until the month I filed bankruptcy and then stop after that? I'm just hoping that if I can get the late payments removed from the report it would bump my score up into the low good range.
Any chance they will revise the items to stop the month I filed? Of course I expect the chargeoffs to remain, but the dates should refect the facts.
Credit Score
Hi Daddyjaxx,
You have mentioned that only some accounts kept listing delinquencies not all. Could you explain what kind of accounts listed the delinquencies? I am asking this because there are certain accounts that cannot be discharged even after filing bankruptcy. That might be the cause.
Thanks
Anthony
Problem after bankruptcy
Hi
I had declared bankruptcy in 2000. Last week when I pulled out my credit report I found 3 accounts with long delinquencies. This was discharged after filing the bankruptcy. How can this be? I have never heard from them all these years. I am facing problem taking a car loan now. I don’t have a single late payment or any black mark for the last seven years now. What do I do?:(
Any help will be appreciated.
Credit scoring is collected information about you and your credit history. Contained in a credit report is your bill paying history, as well as how many accounts that you already hold and what type they are. Things such as late payments, any collection actions taken against you, outstanding debts and how long you have had accounts are all considered. All of this information is compared with other consumers that fit the same profile as you to determine the type of risk that you are to the creditor.
The credit scoring system gives you points for each factor and the end result tells the creditor if you are likely to repay your debts. The total amount of your debt is then added up to give you a credit score. Your credit score is an indication on how likely you are to repay your debts and make your monthly repayments when they are due.
Stella
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