I have a CH 13 thats supposed to come off later this year. How many points can i expect to gain on my score when it gets deleted? Also, i have a couple of charge card accounts that were included in the BK, but one of them is payed as agreed but closed (not closed by grantor or creditor, just closed), last reported 1993! The other simply says payed as agreed but has no open/close status and has a last reported 1994. My question is, are either of these accounts considered negative? Will removing them increase my score? Thanks!