Experian Sucks. Other credit bureaus are reporting correctly. After chapter 13 Experian is showing accounts as delinquent and pass due even though everything is on a payment agreement through the Bankruptcy court all payments have been on time for almost 2 years since bankruptcy but they show delinquent or no payments. Other credit bureaus reporting on time payments. TransUnion 694 FICO Equifax 713 FICO Experian 613 FICO. Prey that lenders never use their services for your credit needs.