I filed Chapter 13 on November 30, 2017. I pulled my credit report December 29, 2017. Scores were Equifax 605, Transunion 580 and Experian 560. Most of my tradelines were reflected as IIB, there were a few that either reflected IIB with a dollar amount or did not have IIB with a balance. I began the disputing process and my scores tanked. I guess my question would be, if most of my tradelines reflected IIB why would it take a major dip disputing those that did not. My current scores as of Feb 16th are as follows: Equifax 609, Transunion, 460 and Experian 470. I've compared all reports and the major difference is that Equifax doesn't show a public record, only a lien, however have removed all tradelines that were IIB, Transunion and Experian are not showing much of a difference.
Any feedback would be great, thanks!
