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appsle

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why do the credit report show neg.when you have filed bankruptcy and have 3 years of good credit
i filed bankruptcy 4 years ago since then never been late with my car payment nor with the credit cards i have now .Yet my credit score is low. why is it that my pass credit account are still on my history with a balance

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Bankruptcy does not erase your credit history and those accounts are part of that history.  They will remain for 7 years from the date the bankruptcy was filed, then drop off.  Bankruptcy is a negative (it is NOT a fresh start) and will remain so for 10 years.  Then it will drop off.  While all positive actions you do now are great the bankruptcy will continue to have an adverse effect on your credit score.  Please read the articles on this site about bankruptcy so you can better understand it.

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