I filed CH7 BK in Oct 2005 and currently have the following....
EQ 687 - 8 Derog accts (all "BK" status), no lates, no coll
EX 708 - 8 Derog accts (4 "BK/CO" & 4 "BK" status), 89 lates, no coll
TU 698 - 8 Derog accts (all "BK/Unrated" status), no lates, no coll
Oldest acct is 15 years, 10 years average acct age.
In my case, it comes down to I had 'good' credit before the BK. I don't know exactly what the scores were pre-BK, but there were no lates with 'paid as agreed' CCs, car loan and mortgage.
Why EX is my highest with 89 lates vs. no lates at EQ and TU, I have no idea. Each CRA has either 14 or 15 "paid as agreed" accts from before the BK was filed.
I'm still working on the CO's and lates at EX by contacting the OCs. BofA says they are not reporting any lates or the CO on one acct that EX has as "BK/CO" status with 23 lates. EX keeps verifying upon dispute. I called BofA three weeks ago and asked for a letter stating what they are reporting so I can send to EX with dispute, they promised to send letter and it never came. Time to call again....