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Have a few questions on what else I should be disputing. Most accounts have been updated to reflect IIB with the exception of 3.
1) An account that was paid in full but had 90 days late at one point. Was closed in 2008.
2) Paid collection for $852. Closed 2009
3) A credit line for $2500 that was 30 days late and closed by granter with 0$ balance. Only reported 1 month. Closed 2011
Each of these accounts had technically been paid for, but my lawyer sent them notice of my BK anyway. Should I dispute them to be marked IIB so they are excempt from scoring. I worry that the payment history is affeecting me. Right now, my services state that i make my payments 97% on time. I do worry tho if I update them they will remain the next 7 years.
Advice please?
I believe you're gonna be stuck with these three.
Since they were zero balance and all look to be resolved - there is no reason for the creditor to update anything on your report.