Falling Score Two Years Out

[copper2]

Hi everybody! How is everyone? I need some help. My discharge was in 2/06, and my credit scores have been in the 680 range. My scores have been dropping! I have no late payments since BK and 20 years of good credit before BK. A number of those old accounts survived BK and are current. I can't figure out why my score would be dropping down to the 600 range? I have two BK visas with very small credit lines and a car loan that is halfway paid off already. My scores are lower today than they were one month out of discharge! Any ideas or suggestions? I'm horrified! Copper2

[Boscoe]

Hi Copper.

Need some info first. What were your scores just after your discharge, and what are they now? Are these FICO scores? Those are the only ones you should be concerned with.

--Any late payments showing on your credit report? Any at all?
--Is the BK showing as "Discharged" and in 2/06?
--How many open credit cards do you have and what are the balances and credit limits on each?
--How many "adverse" items do you have and what are they?
--What is your oldest item showing on your report, i.e. what is the "Date Opened" of your oldest item?

Let's start with these questions and we can go from there. Be as brief as you can with your response, if you would.