It is easier for members to understand your situation better if you do not use so many abbreviations. All of us are not going to remember what each one means or have the time to constantly look them up.
Also there are many factors that affect your credit report, Try to give as much information as possible. For example do not say my score went down 25 points and I do not know why.
Try to dom this instead. visa opened for 5 yrs & 6 mths. just opened new loan 2 months ago, 6 inquiries on 1 credit report, bankruptcy filed 12, 2009, 5 colelction accounts 6 years ago. The more general inforamtion that you can provide the better.
AS A REMINDER DO NOT POST ANY PERSONAL INFORMATION OR ACCOUNT NUMBERS.