It's been almost 3 years since chapter 7 was discharged. I have perfect payment history on accounts I've opened since. However in my credit summaries at the top of reports it always says I have several lates and several unsatisfactory or negative accounts. These are all accounts that were included in bankruptcy. They're correctly listed as closed and included in bankruptcy. However, is this affecting my scores? Should I dispute these accounts or try to get the lates or accounts removed? Besides my high utilization right now (working on getting it down to 30% ASAP), and chapter 7 everything is excellent. But scores are in 500's 😩. Any help is appreciated!!!
