My FICO was in the 400's around 14 months ago after filing a B.K (7). After "some" credit repair and time and 9 accounts established I am sitting in the 690's with Equifax. The FICO score simulator says I should be around 689-729 when the balances go through with the checks already written and I am waiting for the creditors to update to the CRA. I can't wait to see the FICO in the 700's. I still have 16 negative accounts 10 bad debt/collection and 6 included in B.K. The accounts will fall off in 2004, (7) years. I filed B.K late "denial". Should I even bother getting the other 10 accounts to say "included in B.K" the deletion thing didn't work with those the first time, but I did get around 10 more deleted. Also have 2 judgements that carry an old balance and 2 collection accounts, 1 included in B.K. Other collection is for $64. Should I bother with the other 10 accounts that are "bad debt/collection" from 1997 or just leave them until 2004 until obsolete? I know there must be a true VET that has the drive and passion for driving up a FICO in this situation like I do even though I am still working on it.
Does anyone have advise on what to do? I know my FICO will be around 710 in late June or early July after the balances go through. Should I even touch my credit report with more disputes or are the age of the accounts not worth touching? ANYONE? Is this a bad question or post? HELP!
