I'm a bit puzzled about Tigers Fan's detailed and appreciated reply, regarding accounts reported subsequent to the BK. I have some accounts that appear to be reported as open and in good standing that in fact are not, that were closed during the BK. However, I've assumed this is a good thing, kind of a helpful error, as it shows available, unused credit lines in good standing. The truth might be that they lost money and were closed in the BK; if I fix it, that is what will show. Accordingly, I've left these mistakes be. I'm struck you say "GOOD data" after BK can hurt you. What do you mean by that? If these mistakes are hurting me, perhaps you've identified the problem, but it is counter intuitive.
I do NOT have any accounts that really survived the BK, to my knowledge, all were closed, so your last paragraph is not hurting me in any way.
Tigers Fan, I am dismayed by the difference in our credit scores, given a very similar history. I have maybe two late payments in two years, one of which is a late by my daughter on a loan I cosigned; I had no idea she paid late, this was out of my control. I have contested, but they claim she really paid late, and there's nothing you can do, they hold all the cards. And, she probably DID pay late. I have no outstanding collections, all were paid, though two were paid post-BK. I cannot get them removed, I've tried. I hear you that lates post BK are hurtful, but I find it hard to believe two lates in two years, are worth 100 points.
Do you guys honestly feel if I buy even more credit reports and more credit scores (I buy them now from Experian), I will learn something I don't now know? Obviously I don't even want the reports, I know what's on them, just the score analysis. Nothing against MyFico, just this is getting expensive. I guess you are saying if we knew what the supposed negative factors were, per MyFico, we could then try to deal with them. I've never gotten a "score analysis" from anyone, just the scores directly from a bureau. I've seen third party "FICO" scores, and some are hopelessly wrong, so I've just stuck to bureau provided data. I take it on this forum to get the most help I will need to do this. To me, the facts are the facts. I had a BK with a lot of accounts, some of which were very large, followed by good credit behavior, other than two lates and two paid collections. Regarding the medical collections, I moved and the first I heard about the money owed, due to insurance not paying, was from a collector. Unfortunately I paid them without negotiating they wipe out the claim. I've explained this reason for the collections, but it seems not to matter.
The most discouraging thing is the lack of movement of the score. It should slowly be going up, despite any mistakes I may have made, it should not be mired as if set in concrete. This is terribly frustrating.
