I have been cleaning up in anticipation of chapter 13 discharge this spring. Well so far, TU has been the best BUT they changed all of my on time student loans to IIB,zero balance (which they were) but the IIB made them negative flag on TU report. Also, I have an HSBC orchard credit card to rebuild. But I filed on Orchard as well. They made BOTH IIB/zero balance so I lost that 1 TL of postive payment history TU also wanted my creditor matrix.
Experian and Equifax have been tougher goes. Experian a little easier than Equifax. Equifax has been awful!!! My only hope there is that I have many negative accounts falling off this year anyway so I am just going to let my on time payments season and wait for the negative accounts to fall off.