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MEMcClooud

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My credit score keeps going down, even though we filed Chapter 13 well over a year ago.
Everything is being paid on time through a trustee. I have lost well over 100 points on one report (long after filing ch. 13) and I cannot figure out why. Any suggestions as to why it keeps going down as opposed to staying the same or even increasing slowly?

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You will want to check your collections and or accounts.  You will want to ensure that any debt included in your bankruptcy is not still being reported as late or past due.   If they are included in your bankruptcy, reporting of that account should cease.   They have accepted terms with the court and as long as you are making your timely payments on your bankruptcy they should not be reporting as late.  You will also want to ensure that there are no new ones which populated that you may neglected to include in your credit report.    It is possible that one of your accounts was sold by the original creditor. If it was newly reported and was included, contact your bankruptcy attorney to have the creditor reflect accurate information. 

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