Oh, sorry, I didn't realize. I don't know anything about BK, so I don't go over there, so I'm afraid that I'm one who didn't respond!
Have you read anything about how to fine-tune your CC util, by keeping util under 9% and timing your payments to control what balance reports to the CRA's? It's really hard to do with low-limit cards, but it can be done. And the other thing that might especially help TU is having only half of ALL your open accounts, including mortgage, car loans, etc. report a balance at any one time. So for instance, I have a mortgage, a student loan, and HELOC, and 5 cc's for a total of 8 accounts. Naturally, the first three are going to report balances, so I allowed only one card to report a balance ($7), and I got a very nice score jump, especially from TU, with 4 out of 8 accounts reporting. It's actually easier to do this (only having one card report) with low CL cards, just to avoid the headache of controlling small balances.
So if you have a $500 CL card, PIF the others and let $45 or less report on the one card. You can use the others as long as you pay them off before they report. Or if that's too much of a hassle, just use one card a month, put one tank of gas on it, let it report, pay it off, put it away, and use another card the next month.
We do have some people who are very knowledgeable about BK's on this board and also on General Credit. Maybe if you edit your subject line to include "bankruptcy", it might catch their eye. HTH
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007