EQ 612 EXP 608 TU 566 2 dismissed Chp 13 bankruptcy (one from 2000, one from 2002) The one from 2002 I did not file. My ex husband filed during our divorce. (can I get this one removed?) 1 judgment went on 12/05. That will be on there a while (I was unemployed and had not health insurance - hospital bill. 11 Derogaroty all paid except 2 (those 2 come off 9/2007) Since paying the derogatory doesn't raise my score like I thought it would I didn't pay those last two. I have two cc with 300 credit limit. have an auto loan, 3 student loans, and am authorized signer on cc with someone else. I want those paid derogaroty accts removed but they wont' and the bankruptcy from 2002 since I did not sign anything. Is there any way to get that stuff off since the last 18 months all my payments are on time? What can I do to increase my score?