5000 dollars loans

re: Why scores drop when collections are deleted:
2) He already has about $6000 in ourstanding medical bills from years ago on his credit report, and has a very low score. He will be getting his drivers license back soon, and will need car insurance, which as I understand, they do credit checks for now. So in order to get a better rate When we file our taxes for the 2004 year in 2005, how would his BK affect our return if he files alone?
Were you turned down for the mortgage before AND after the update to 0 balance?
You need the info on your reports for me to give you good advice about the others.