Need help with post-BK CR...

[mtkel]

We had a Chapter 7 BK in 2009. Prior to that, I had completely stopped paying bills, at the advice of my attorney, (BIG MISTAKE!) I ended up with 18 accounts going to collections. They are all reporting as "Included in Bankruptcy", the problem is, each account is on there TWICE! When I pull my EQ CR, the first page reads "Collections 39!" That CAN'T look good to a lender. These are only reporting on my EQ report, and my EQ FICO is much lower than my other scores. (EQ 587 vs. TU 620, EX FAKO 650)

Is there anything I can or should do to fix this? Is it affecting my score much since they are all listed iiB anyways? My score may also be lower on EQ because I am AU on my mom's Chase Visa with 10k limit, and EQ doesn't report AU. At least not for me! LOL So according to EQ I only have 2 Capital One CCs with a total CL of 1.5k. ($50 bal on those)

I have recently been having some success with PFD and GW, and was wondering whether I should bother with these pre-BK CAs? Any advice out there? My mom had charged up her Visa for a kitchen reno and it is currently reporting at 90% util, but she paid it off last week so I am expecting a nice bump with TU and EX shortly. Won't help my dismal EQ though! Help!!

[Guyatthebeach]

I would start disputing with the CB's first then try goodwill letters.

[Shogun]

Start with the GW process.  Only dispute if there is something that is not accurate on your CR.

[aussiesareforever]

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@mtkel wrote:

We had a Chapter 7 BK in 2009. Prior to that, I had completely stopped paying bills, at the advice of my attorney, (BIG MISTAKE!) I ended up with 18 accounts going to collections. They are all reporting as "Included in Bankruptcy", the problem is, each account is on there TWICE! When I pull my EQ CR, the first page reads "Collections 39!" That CAN'T look good to a lender. These are only reporting on my EQ report, and my EQ FICO is much lower than my other scores. (EQ 587 vs. TU 620, EX FAKO 650)

Is there anything I can or should do to fix this? Is it affecting my score much since they are all listed iiB anyways? My score may also be lower on EQ because I am AU on my mom's Chase Visa with 10k limit, and EQ doesn't report AU. At least not for me! LOL So according to EQ I only have 2 Capital One CCs with a total CL of 1.5k. ($50 bal on those)

I have recently been having some success with PFD and GW, and was wondering whether I should bother with these pre-BK CAs? Any advice out there? My mom had charged up her Visa for a kitchen reno and it is currently reporting at 90% util, but she paid it off last week so I am expecting a nice bump with TU and EX shortly. Won't help my dismal EQ though! Help!!

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You should definitely dispute all the collection accounts reporting twice. That should be a pretty easy fix for the CB cause the account numbers will be listed twice. Start off with doing that for sure!!!!

[Geochk]

Thank you all for your suggestions  I appreciate the guidance and support of the MyFICO family!