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Ouch, yeah, unexpected expenses hurt. Too bad you couldn't extend your HELOC high enough to cover the work because you can deduct the interest you pay on your taxes.
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Disputing late payments almost always backfires as the will come back as valid and the effective dates will be updated causing your scores to drop. You're so close, just let them age off on 01-April.
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You can take anything you see on NDC under advisement, however, if you want the real status of your case, you need to create a Pacer account and look there. Congratulations on finishing your Chapter 13.
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