My suggestion will be pull a credit report and review everything. If anything comes up inaccurate to you, you need to dispute them.
However, if you have had any late payments BEFORE bankruptcy, they are accurate and you have no reasons to dispute them.
If you filed for bankruptcy and they start to appear as late payment after the fact, you need to dispute this and have them report accurately as IIB and closed.
Thank you. That’s what I was wondering. They are reporting late after the filing and this seemed incorrect. I checked all 3 credit reports and only EX is reporting the lates for the same month or the month after I filed. All other reports show no history for all accounts IIB.
That's exactly where you need to dispute this inaccurate reporting. Your scores will come up into appropriate range as your two other scores.