Collection Question

[Tryingagain]

First I would like to thank everyone on this site for the help and advice! I have learned so much and loved hearing a mortgage broker say, "Most people don't know that".

My new question is that I have three collections on all three bureaus that are $0 balance and IIB. Two of the accounts were listed after my filing date (one is reporting last activity in Nov 2011 even though the discharge was in 2009). One was one month before. I have read that the two can be deleted because of reporting after the filing date. Is that true? Would it increase my score because of the one account showing active last month?

Thanks in advance! I am 10 points out from being able to get a mortgage so the advice is appreciated!

[Nicollette]

My new question is that I have three collections on all three bureaus that are $0 balance and IIB. Two of the accounts were listed after my filing date (one is reporting last activity in Nov 2011 even though the discharge was in 2009). One was one month before. I have read that the two can be deleted because of reporting after the filing date. Is that true? Would it increase my score because of the one account showing active last month?

Thanks in advance! I am 10 points out from being able to get a mortgage so the advice is appreciated!

I'm not quite sure if they can be deleted from your report, but you can dispute it, saying "included in bankruptcy."

[msm859]

Were the debts referred to collection prior to you filing for bankruptcy? If not I would think they would have a factual problem listing them as a collection.

[Tryingagain]

According to the dates on the credit reports two of them were reported after filing. I do not know when they were referred to the collection agency. The third has a date of one month prior to filing. I thought I had read a thread saying that they could be deleted on this site. Would it even increase my score removing two of them to make it worth it?
Thanks