Hi,
I completely understand your situation... I am there just about 6-8 months ahead of you... :-) CapitalOne (CrapOne as I now like to call them) They are so hard to deal with... They NEVER remove CO's or lates from what I can have experienced or heard of on these boards. Its unfortunate, but thats the way there are...
One thing I do suggest is to get a new credit card ASAP... Bank of America has some good secured and unsecured cards... You want to start rebuilding positive credit ASAP. From what I have heard, they do frequent credit limit increases if you have a good payment history. Macy's also is good about giving credit to those with poor credit histories and doing credit limit increases in about 90 days.
Good luck with everything...
Starting Score: 06/2010- EQ 464
01/2012-EQ 512
April Score: EQ 679 4/12TU- 677 EX- 699 (FAKO)
Current Score: 05/2012-EQ 691 4/12TU- 706 EX- 720(FAKO)
Goal Score: 700 by 05/2012- MADE IT!!!! Take the FICO Fitness Challenge