Our discharge was on 12/26 and case closed according to pacer on 12/29.
My scores are roughly in the 570's right now. I have most of the accounts on my reports saying IIB, but there are some that say discharged as bad debt, late, etc, when in fact they were IIB. And they do not reflect a 0 balance.
Once I fix these, will it help raise my score? How does my score raise without getting into debt again to help build the credit?
What do I do and how do I do this?
Thanks in advance!
My scores are roughly in the 570's right now. I have most of the accounts on my reports saying IIB, but there are some that say discharged as bad debt, late, etc, when in fact they were IIB. And they do not reflect a 0 balance.
Once I fix these, will it help raise my score? How does my score raise without getting into debt again to help build the credit?
What do I do and how do I do this?
Thanks in advance!

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