Hi All -

I've been pulling my credit report monthly, keeping an eye on errors to make sure they're getting resolved.

My credit score on 11/15/10 (Experian) was 636. My credit score has dropped to 603 as of today, 12/2/10.

NOTHING has changed whatsoever...

Well here I am a year plus post BK. Being self employed to say this has been a struggle is an understatement. I have vowed to NOT get another CC until we are more on our feet again. That has sometimes meant that I am down to $10.00 in my pocket, period. I have never struggled so much in my life. I know...

Could someone tell me the reason for such a difference in the one score?

TransUnion 664
Experian 571
Equafax 652

I've looked at the reports and didn't see anything different on Experian. Do they each have completely different methods of computing...

My Ex-Husband is filing for Chapter 7. I have a Property Settlement agreement from 5 years ago stating I would be indemnified from two of the debts that he is asking to be discharged.
I went to the creditors meeting so that I could give the trustee a copy of the Property Settlement and a Copy...

Credit Score Hysteria, A Disease Far Worse Than Bankruptcy.

February 13, 2010

Time for the American Psychiatric Association to coin a new disorder: Credit Score Hysteria. Hysteria is behavior exhibiting uncontrollable emotion, such as fear and panic, and loss of rational

I had my 341 meeting on June 22, 2009.

Prior to BK (Chapter 7) I had good credit- in the 740's. I paid all bills up until 30 days before filing Chapter 7 in May.

I haven't checked my credit score with one of the credit reporting agencies yet, because I didn't want to pay....

I was discharged in Ch. 7 a year ago.
I cleaned up my credit report and it does seem to be all accurate now.

I have 4 credit acccounts, all paid on time, and only one with 3/4 of limit used up ($500 limit), the rest either not used or only a small fraction used.
All paid...