I just pulled my first credit report since my BK7 discharge in April 2008 and am trying to improve things. I have 8 accounts that were included in my bankruptcy. 1 is reporting $0 auto repo IIB and 1 is mortgage related reporting $0 120+ days late IIB. The other accounts are just reporting $0 IIB. I also have 1 charge off cc and 2 mortgage accounts reporting $0 120+ days late that hit my credit report right before I filed.
But on the plus side, I have 28 accounts reporting "paid as agreed" that were part of my good credit history including several auto's, mortgages, credit cards and student loans. And I guess Im just wondering if these "paid as agreed accounts" with zero balance will help my scores any? Will these good accounts show future creditors how I always paid my bills ontime except for the 9 months of hell I went though leading up to my BK7?
But on the plus side, I have 28 accounts reporting "paid as agreed" that were part of my good credit history including several auto's, mortgages, credit cards and student loans. And I guess Im just wondering if these "paid as agreed accounts" with zero balance will help my scores any? Will these good accounts show future creditors how I always paid my bills ontime except for the 9 months of hell I went though leading up to my BK7?