After a lot of stress and several headaches later I have finally managed to get some of the last collections off of my report and all CB are now in the 600s having come from the low low 500 range. As of today Ex 640 EQ - 625 and TU - 633. In 3 months my student loans finish the rehab program where I expect to see another good boost. 
These forums and the people here have been a huuuuuuge help in my sucess!
Grats
