Hi there,
This is my first post but I have been reading these forums for months - religiously! 
Long story but a bit of background... First we tried credit counseling and enrolled in a payment plan through a legitimate agency... after a few months it became clear we would have to file a bankruptcy... I made too much money so ended up with a Ch 13 filing. We paid on that for 2.5 years on time faithfully to the trustee... then we moved, had another baby, my husband's income dropped and viola we fell below the Ch 13 income threshold for 6 months and were able to convert to a Ch 7 that was filed in October 2012 - discharged January 2013. Everything seemed like it was going well for awhile.. I had a long credit history before the filing and had been on my mom's Amex with a $20k credit line as an authorized user so that has been reporting solidly as a good tradeline for years...
In February 2013 I was able to get a Cap 1 unsecured card with $1k credit line and a car loan at 12.9% interest less than one month out of bankruptcy. My FICO score at that time was 620 per lender pull and MyFico.com scorewatch... The following month I was able to get another unsecured $1k cap 1 rewards card, my old Von Maur account reinstated with no credit cap... I also got approved for a Kohls card with $300 credit limit and last month a NFCU card for $1k...
However, my scores are dropping significantly instead of improving... MyFico sent me the latest report with a 30 point drop and lists a public record (bankruptcy I would imagine) as well as multiple accounts that are missed payments. late or derogoratory... I don't understand that... can you help me? Everything I have re-established is 100% paid on time... not maxed out. I pulled my reports again and everything is showing correctly as $0 balance and IIB - except for a few accounts that show "wage earner plan" but $0 balance... so those just are from the ch 13 filing and really I guess were IIB but still have the old note on them.
The other thing i guess is because we first did credit counseling/plan, then a ch 13, and finally a ch 7 - multiple if not most accounts are showing 30, 60, 90 and even 120+ day lates because of the counseling/bankruptcy filing time lapse - many of those accounts had not formally agreed to the plan yet so kept reporting me as missed payments... Do you think that has any bearing on anything now? And if so, can it be disputed? I submitted one account and they said it was correct... so I am not sure if that even is the problem...
I went from a 620 FICO score with EQ to a 576 this week - YIKES!!! this is not the direction I thought things would go... I do have quite a few HPs from getting the new accounts set up and am done pulling any more but wow... I really want to get things back in the 700+ club so we can purchase a house in 2 years (or sooner if we can find a lender doing an exception with FHA/medical reasons)...
thoughts? everyone is always so so so knowledgeable here!
