Chapter 13 bankruptcy was filed in 2008 and completed and discharged in June 2011. As I was would like to refinance my mortgage a year out from my discharge, I checked credit scores (hoping to see an increase since last checked in December 2011), but they dropped over 50 points!!! I'm trying to figure out why. Everything is being paid on time. It looks like my mortgage company is reporting my account as derogatory and not showing any current information (I have never been late on a payment to them). Has anyone else experienced a drop like this and have any suggestions of what to do???