https://ficoforums.myfico.com/t5/Auto-Loans/Used-car-loan/m-p/737036#M12054 <P>I have several questions about upping my chances at getting approved for a used car.&nbsp; My current fico scores are TU 655 and EQ 670.&nbsp; $ 950 in credit card limits with util. at about 25 %, which will be 0 next month.&nbsp; Two thirty day lates that will be over two years at end of October.&nbsp; Bankruptcy in Oct. 06.&nbsp; My Eq is showing no collection accounts and my TU is showing a Progressive Insurance collection from May 07 for $ 137.&nbsp; It also shows that United Rev. is trying to collect on an auto loan that was discharged in bankruptcy.&nbsp; My question is should I pay off the Progressive collection now or wait and how do I handle removing the bankruptcy discharged collection ?</P> Wed, 15 Sep 2010 02:50:59 GMT markluddy 2010-09-15T02:50:59Z https://ficoforums.myfico.com/t5/Auto-Loans/Used-car-loan/m-p/737036#M12054 <P>I have several questions about upping my chances at getting approved for a used car.&nbsp; My current fico scores are TU 655 and EQ 670.&nbsp; $ 950 in credit card limits with util. at about 25 %, which will be 0 next month.&nbsp; Two thirty day lates that will be over two years at end of October.&nbsp; Bankruptcy in Oct. 06.&nbsp; My Eq is showing no collection accounts and my TU is showing a Progressive Insurance collection from May 07 for $ 137.&nbsp; It also shows that United Rev. is trying to collect on an auto loan that was discharged in bankruptcy.&nbsp; My question is should I pay off the Progressive collection now or wait and how do I handle removing the bankruptcy discharged collection ?</P> Wed, 15 Sep 2010 02:50:59 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Used-car-loan/m-p/737036#M12054 markluddy 2010-09-15T02:50:59Z https://ficoforums.myfico.com/t5/Auto-Loans/Used-car-loan/m-p/737346#M12057 <P>I would dispute the collection as included in bk, you might have to send in your bk papers to prove this.</P><P>I don't know about paying the collection because it will move the date up and may actually lower your score, I have been debating on a charge off account myself... some others know better regarding this though.</P> Wed, 15 Sep 2010 16:42:09 GMT https://ficoforums.myfico.com/t5/Auto-Loans/Used-car-loan/m-p/737346#M12057 Creditaddict 2010-09-15T16:42:09Z