I have not disputed the validity of the line items that were included in the bk. What I have done, is write each of the creditors a GW letter asking them to remove the derogatory remarks and state that they were IIB.
Those accounts have come off my reports in total, or have been updated to say paid in full, no lates. YMMV 
Edited to add:
Make sure you know the due date and statement dates of your cards. Your due date may be June 24 with a statement date of June 30th. Make sure you PIF by the 24th and DO NOT charge anything until July 1 in the aforementioned scenario. By doing this, you will never have a utilization % which will help... OR as some suggest, leave like <9% of your total utilization on one card.
For instance:
If you have composite CL on your cards of $500, do not let more than $45 sit on your cards in total, or alone. One thing I learned from here is that util also looks at %util on each individual card.
So:
Cap 1 - $200 CL
HSBC - $200 CL
$400 total CL
9% total util = $36
BUT!!!!!!
9% on each card is $18. It has been suggested to have only one card carry a small balance. In this example, you'd only want exactly one card to carry $18, no more than that to keep that one card alone under 9% utilization.
I don't carry any balance. I hate paying interest
Hopefully, my example made sense.
