I have been working on my credit repair. However, I am also finishing up my chapter 13 BK. I posted this question here because I thought the guru's who understand this stuff better than I might shed some light. My scores are coming up, slowwwwww. My TU is now 587 (was 556) and my Experian is 605 (was 585) and my bugaboo, Equifax has jumped a whopping 14 points, 544 to 558. My question is I have a collection account that was included in my BK and is being paid through my BK that shows as "unpaid collection" on my credit report. Of course I challenged as IIB but that has not been changed on Equifax. Now the crux of the matter, Could it be that because each month a new balance is reporting (orig owed 185.00 now down to 85.00) that Equifax is looking at it as a "new" collection account each month?
I called the CA that is posting it and they will do a PDF after discharge (which is soon) which I know will help. But it is frustrating to see my Equifax score still sooooo low. I am tempted to PDF now and let the trustee deal with the excess. LOL
