HEL!!!! Interpreting credit report taglines

[ncimfabulous]

I initially filed for Chap 7 in 2009 I'm two years almost 3 out of BK but my credit score is still very low despite my good payment history with my CC's. I do not have a mortgage or car payment so that might be another problem hindering my score.

My question is my BK being reported correctly because I'm having trouble interpreting these taglines. Below are samples from my credit report.

Account Type:
Installment Revolving
Account Number:
XXXXXXXXXX XXXXXXXXXX
Payment Responsibility:
Individual Individual
Date Opened:
05/2008 05/2008
Balance Date:
12/2009 03/2010
Balance Amount:
$0
Monthly Payment:
$0
High/Limit:
$2,386
Account Status:
InBankruptcy Collection
Past Due Amount:
$0 $0
Comments:
BANKRUPTCY CHAPTER 7 INCLUDED IN BANKRUPTCY DEBT INCLUDED IN OR DISCHARGED THROUGH BANKRUPTCY 7, 11, OR 12 LAST REPORTED DELINQUENCIES: 03/2010=R ,02/2010=R CHARGE OFF


Equifax TransUnion Experian
Account Type:
Revolving Revolving Revolving
Account Number:
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX
Payment Responsibility:
Individual Individual Individual
Date Opened:
04/2008 04/2008 04/2008
Balance Date:
11/2010 11/2010 09/2009
Balance Amount:
$0 $0
Monthly Payment:

High/Limit:
$4,000 $4,060 $4,060
Account Status:
As Agreed As Agreed As Agreed
Past Due Amount:
$0 $0 $0
Comments:
LAST REPORTED DELINQUENCIES: 04/2009=R3,03/2009=R2 ACCOUNT CLOSED AT CONSUMER S REQUEST ACCOUNT PAID LAST REPORTED DELINQUENCIES: 04/2009=R3,03/2009=R2 ACCOUNT CLOSED BY CONSUMER CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE PAID LAST REPORTED DELINQUENCIES: 04/2009=R ,03/2009=R ACCOUNT CLOSED BY CONSUMER


Installment
Account Number:
XXXXXXXXXXX
Payment Responsibility:
Individual
Date Opened:
09/2008
Balance Date:
03/2010
Balance Amount:
$0
Monthly Payment:

High/Limit:
$83
Account Status:
Collection
Past Due Amount:
$0
Comments:
DEBT INCLUDED IN OR DISCHARGED THROUGH BANKRUPTCY 7, 11, OR 12 LAST REPORTED DELINQUENCIES: 03/2010=I ,02/2010=I ORIGINAL CREDITOR: BOOK CLUB COLLECTION ACCOUNT

[df04527]

If you filed your BK in May of 2009 - then you look fine. The comments, especially, do not impact your score as well as several other fields. I do not see the month to month payment history listed but as long as there are no 30/60/90 late marks AFTER your BK then that's fine. They are allowed to continue to report late payments prior to your filing.

What you've displayed here looks very normal for a BK in your past.

hth

[ncimfabulous]

HMMMMM ok thank you for that information I appreciate it. Now I can narrow it down to these relisted collection accounts.

[df04527]

YW -- I also had another thought as I re-read this. Remember the original creditor IS allowed to report the account as long as they have a zero balance AND (here's the bad news) the collector is ALSO allowed to report this - although most collectors will delete it after they learn a BK has been filed. But some of the bigger collection outfits can and will continue to report as well (with a zero balance and IIB noted).