Used car loan

[markluddy]

I have several questions about upping my chances at getting approved for a used car.  My current fico scores are TU 655 and EQ 670.  $ 950 in credit card limits with util. at about 25 %, which will be 0 next month.  Two thirty day lates that will be over two years at end of October.  Bankruptcy in Oct. 06.  My Eq is showing no collection accounts and my TU is showing a Progressive Insurance collection from May 07 for $ 137.  It also shows that United Rev. is trying to collect on an auto loan that was discharged in bankruptcy.  My question is should I pay off the Progressive collection now or wait and how do I handle removing the bankruptcy discharged collection ?

[Creditaddict]

I would dispute the collection as included in bk, you might have to send in your bk papers to prove this.

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.