In my experience, TU will take off just about anything that you dispute but the other 2 are near impossible. I would suggest disputing those collection accounts and see if you can get them off even tho they show paid. I went 30, 60, and 90 days past due on my Capital One but once I paid them down and got things back under control, I disputed it and Capital One changed my history as never having been late. Good luck and if you have any tips, please pass them along to me :-)
Starting Score: 475I'm pretty sure it's per month. I just have the score watch on here and I go through a couple other sites to moniter my other credit bureaus. But surely dispute with the credit bureaus and when they contact the creditor you've paid off, maybe they won't have your file anymore and they'll have to completely remove the paid (formerly delinquent) account. My advice is to dispute all the bad stuff, past or present, and see what comes off. My girlfriend was in the same position as you minus the BK and paid all her collections and stuff but was still a 500. I disputed everything and almost everything came off and put her at like a 640-650 range
Disputing is like watching paint dry. Settle in and get comfortable. It's worth the effort though. 