Got a nice set of bumps yesterday triggered by my NFCU card reporting:
EQ: 628 (+16)
TU: 619 (+14)
EX: 598 (+9)
I don't think it was the card that gave the points, but rather what triggered the update. Not sure though. Experian is still lagging behind due to a judgement for a utility bill a family member got in my name that I didn't know about. It's paid in full and set to fall off in November, so I am going to leave it alone as all the final derogs should be falling off slightly after that. I am preparing for a final set of dings when my second Cap One card finally reports any day now, but then it's should only be up from there.
Pretty pleased with my score progress and credit limits considering how many dergos I still have. I should be in 700 land by January for sure. 
EQ: 628 (no change)
TU: 636 (+18)
EX: 598 (no change)
Picked up +14 and then +4 on Transunion this week. No idea why but I'll take it! I'm up to 636 on TU! 
Experian won't let me be great due to a paid utility company judgement only reporting there. Thankfully it falls off in November and then it should catch up to the others.
Good week review:
5/3 - +14 points on Transunion
5/5 - product changed my Quicksilver One and Platinum Mastercard both to Quicksilvers with no AF.
5/6 - +4 points on Transunion
Finally getting some resolution with the final Navient lates reporting on Transunion. The customer advocate said he will fix it (finally) but I had begun the dispute process and now had to fax a withdrawl to Transunion first. Here's hoping Transunion drops them this week.
I also wrote a GW letter to Capital One for a 6+-year-old CO that was the result of a family member committing identity theft that I never pursued legally (young and dumb). A very nice woman in the EO/consumer reporting dept. called me back and said she would see what she can do. Probably a long shot, but it's my worst baddie by far....so definitely worth a try! I'll update when I hear back.
Derogs: Collections/CO
1) California Business Bureau (Medical): $75 - PFD on 3/8/15
2) Xerox State Solutions: $667 - identity error, removed 3/5/15
3) Credit Collection Services (Progressive): $159 - PFD on 3/8/15
4) Bank of America/Cavalry (Credit Card): $6,085 - will age off on 2/2016
5) Bank of America/Cavalry (Credit Card): $1,846 - settled on 3/24/14, will age off on 2/2016
6) Capital One (Credit Card): $5,923 - will age off on 2/2016 (this one hurts, updating balance monthly...but do not have cash to pay it.)
7) HSBC/Midland (Kawasaki/Credit Card): $6,494 - will age off 5/2016
8) HSBC/Midland (Yamaha/Credit Card): $2,535 - settled on 3/25/15, will age off on 5/2016
Derogs: Student Loans
8) Navient x 3 - 30, 60 day lates in 2011 - removed from EQ, EX, waiting on TU as of 5/12/15. Customer Advocate has submitted the request to the credit department after a LENGTHY back and forth. This will be my greatest student loan triumph if I can get them removed fom the last bureau - TU.
9) Direct Loans x 7 - 30 day lates in 2011 - removed 3/25/15, now in good standing/never late
10) Sallie Mae - 30, 60, 90 day lates in 2011 - removed 4/5/15, now in good standing/never late.
11) University Loan - 30, 60, 90, 120, (8) 180 day lates - University has agreed to remove ALL negative reporting at completion of loan. Current balance: $4,019. Estimated pay off is February 2016. This one was another HARD negotiation, but worth the work.
February/March 2015:
1) Closed Merrick Bank secured Visa - 2/27/15
2) Opened Capital One Quicksilver One $3,000 CL - 2/27/15
3) Opened Capital One Platinum $3,000 CL - 2/27/15
4) Opened Overstock.com card $500 CL - 3/5/15
5) Opened NFCU Cash Rewards Visa $6,000 CL - 3/17/15
April/May 2015:
1) Gardening and working on Navient lates - almost home with Navient, I think.
Status as of 5/12/15:
EQ 633 (+5)
TU 636 (no change)
EX 612 (+14)
edit: EX finally updated. Still lags, but all are over 600 now.
Congrats on your success keep up the good work.
Update: All of my Navient lates have officially been removed from all 3 CRAs. Now all 3 accounts list as "open, never late." This is the happy end of a 3+ month journey/battle. I know the student loan companies are typically a tough nut to crack, but persistence really pays off. This also means that by 5/1/2016 at the latest, my reports will be completely clean.
Derogs: Collections/CO
1) California Business Bureau (Medical): $75 - PFD on 3/8/15
2) Xerox State Solutions: $667 - identity error, removed 3/5/15
3) Credit Collection Services (Progressive): $159 - PFD on 3/8/15
4) Bank of America/Cavalry (Credit Card): $6,085 - will age off on 2/2016
5) Bank of America/Cavalry (Credit Card): $1,846 - settled on 3/24/14, will age off on 2/2016
6) Capital One (Credit Card): $5,923 - will age off on 2/2016 (this one hurts, updating balance monthly...but do not have cash to pay it.)
7) HSBC/Midland (Kawasaki/Credit Card): $6,494 - will age off 5/2016
8) HSBC/Midland (Yamaha/Credit Card): $2,535 - settled on 3/25/15, will age off on 5/2016
Derogs: Student Loans
8) Navient x 3 -30, x 3 60 day lates in 2011 - removed from all CRAs as of 6/16/15, now in good standing/never late. Customer Advocate really came through for me on this one! It took 3+ months, but ALL the lates have been removed!
9) Direct Loans x 7 - 30 day lates in 2011 - removed 3/25/15, now in good standing/never late
10) Sallie Mae - 30, 60, 90 day lates in 2011 - removed 4/5/15, now in good standing/never late.
11) University Loan - 30, 60, 90, 120, (8) 180 day lates - University has agreed to remove ALL negative reporting at completion of loan repayment. Current balance: $3,805.03. Estimated pay off is February 2016. This one was another HARD negotiation, but worth the work.
February/March 2015:
1) Closed Merrick Bank secured Visa - 2/27/15
2) Opened Capital One Quicksilver One $3,000 CL - 2/27/15
3) Opened Capital One Platinum $3,000 CL - 2/27/15
4) Opened Overstock.com card $500 CL - 3/5/15
5) Opened NFCU Cash Rewards Visa $6,000 CL - 3/17/15
April/May 2015:
1) Gardening and working on Navient lates - almost home with Navient, I think.
June 2015
1) All Navient lates finally removed from Transunion! - received a +13 points on TU!!
2) Got an Overstock CLI of $200
3) 3rd statement cut on NFCU cash rewards, so will CLI on that as soon as they AR
Now I'm just in a holding pattern until August 1, when I can begin EE with Transunion. Patience is a virtue, ugh.
June 16, 2015
EX 610 EQ 630 TU 637
Some updates!
CLIs
Quicksilver - +$1000 ---> $4,000 CL
Quicksilver 2 - +$250 ---> $3,250 CL
Overstock - +$200 ---> $900 CL
Status as of 6/30/15:
EQ 634 (+4)
TU 641 (+4)
EX 620 (+10)
Still in line for credit steps CLI in a couple of months, and hopefully an NFCU CLI as soon as the next AR. 1 MONTH UNTIL EE with TU!
