your % utilization can play a role in this as well...
i noticed that if i have more than 50% of my credit card used,..any positive changes to my report are held back to a minimum or no change at all
also,..one collection on my TU report seems to be causing me to go nowhere with my score
its stuck @ 557 while my other 2 are soaring and gaining each month
this co is the only difference between my reports,...INQ/Lates/ etc, are all pretty much the same
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)