Onward and upward. 
Just wanted to update everybody..no luck with EQ 
But refreshed my Experian report and it already reflects the deletions. I received a 14 points increase, so now I'm at 714. No more baddies and at 40% utilization. Prob the next step for me is to pay down my credit card balances and do a BT to either Amex everyday (15 months 0%) or bankamericard (18 months 0%). I'm scared that Amex will decline me b/c I applied in January and they denied me due to my credit score (650 at the time) and collection accounts on my report. I was so bummed b/c they preapproved me before I even applied.
But refreshed my Experian report and it already reflects the deletions. I received a 14 points increase, so now I'm at 714. No more baddies and at 40% utilization. Prob the next step for me is to pay down my credit card balances and do a BT to either Amex everyday (15 months 0%) or bankamericard (18 months 0%). I'm scared that Amex will decline me b/c I applied in January and they denied me due to my credit score (650 at the time) and collection accounts on my report. I was so bummed b/c they preapproved me before I even applied.