I've been waiting for August 1 for quite awhile so I could begin EE on TU. I woke up this morning to this TU score:
I'M OVER 700. IT SAYS GOOD! I'm so happy. All the hard work, patience, phone calls, saving, working extra jobs and everything else has paid off and I'm in the home stretch. I can't wait to see where my scores are in 6 months!
updates!
CLIs
Overstock - +$200 ---> $1,100 CL
Status as of 8/1/15:
EQ 634 (-4)
TU 711 (+66!!!)
EX 622 (+2)
Still in line for credit steps CLI next month, hopefully a CLI with NFCU finally, and I will start EE with the other bureaus on a few items shortly.
Some updates!
I was able to get 4 items removed from my Experian CR using EE on 9/1. Got +8 points. Nothing crazy, but I'll take it. Still have a few baddies showing.
CLIs
Quicksilver - +$500 Credit Steps ---> $4,500 CL
Quicksilver 2 - +500 Credit Steps ---> $3,750 CL
Overstock - +$200 ---> $1,300 CL
Navy Federal +$4000 ---> $10,000 CL
I combined my Quicksilvers into one with an $8,250 credit line to further help with higher limits down the line. Now I have:
Quicksilver - $8,250
Navy Federal - $10,000
Overstock - $1,300
Score Status as of 9/4/15:
EQ 635
TU 711
EX 636 (+8)
Next round of EE will begin 11/1.
Still working. Some updates on what baddies I have left:
TransUnion:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed via EE on 8/1/15
Bank of America #2 - removed via EE on 8/1/15
Capital One - removed via EE on 8/1/15
Olympia Medical - PFD
Cavalry for BoA - removed via EE on 8/1/15
Cavalry for BoA #2 - removed via EE on 8/1/15
CCS/Progressive - PFD
Midland for HSBC - removed via EE on 8/1/15
HSBC/Kawasaki - will age off 5/2016, have started the GW process
HSBC/Yamaha - will age off 5//2016, have started the GW process
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
Experian:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed
Bank of America #2 - removed
Olympia Medical - PFD
Cavalry for BoA - removed via EE on 9/1/15
Cavalry for BoA #2 - removed via EE on 9/1/15
Midland for HSBC - removed via EE on 9/1/15
Xerox Collections - mistaken ID
NStar Utility Judgement - removed via EE on 8/1/15
HSBC Yamaha - removed
HSBC Kawasaki - will age off 5/2016, have started the GW process
Capital One CO (updating monthly) - will age off 1/2016, will try for EE on 10/1
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
Equifax:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed
Bank of America #2 - removed
HSBC Yamaha - removed
Midland HSBC - will age off 2/2016 will try for EE 11/2015
Cavalry BoA - will age off 2/2106, will try for EE 11/2015
Cavalry BoA #2 - will age off 2/2016, will try for EE 11/2015
HSBC Kawasaki - will age off 5/2016, have started GW process
Capital One CO (updating monthly) - will age off 2/2016, will try for EE 11/2015
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
This has been a long, long, tiring, long battle. I am documenting it here mainly to keep myself motivated, but also to help others who are facing a similar scary mountain of negatives. My life basically went to hell early in 2009. A combination of being broke in grad school, co-signing motorcycles for an untrustworthy family member, and a lengthy unemployment really taught me some hard lessons about my finances. Now I'm in the homestretch with TU - only a couple of items from being clear! We can do this.
Scores as of today:
TU: 710 (3 baddies left)
EX: 644 (3 baddies left)
EQ: 638 (6 baddies left)
Clearly the Capital One charge-off (utilization killer at 256%, updating monthly) and the University Loan (14 months of lates, including 10 180-day lates from 2013/2014) are doing the most damage. Once the Cap One CO came off TU I got a huge jump, so looking forward to that one dropping soon. 
Thanks guys! All the people working hard to rebuild keep me motivated. Some updates!
Still working. Some updates on what baddies I have left:
TransUnion:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed via EE on 8/1/15
Bank of America #2 - removed via EE on 8/1/15
Capital One - removed via EE on 8/1/15
Olympia Medical - PFD
Cavalry for BoA - removed via EE on 8/1/15
Cavalry for BoA #2 - removed via EE on 8/1/15
CCS/Progressive - PFD
Midland for HSBC - removed via EE on 8/1/15
HSBC/Kawasaki - removed via EE on 9/26/15
HSBC/Yamaha - removed via EE on 9/30/15
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
Experian:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed
Bank of America #2 - removed
Olympia Medical - PFD
Cavalry for BoA - removed via EE on 9/1/15
Cavalry for BoA #2 - removed via EE on 9/1/15
Midland for HSBC - removed via EE on 9/1/15
Xerox Collections - mistaken ID
NStar Utility Judgement - removed via EE on 8/1/15
HSBC Yamaha - removed
HSBC Kawasaki - updated to positive TL
Capital One CO - removed via EE on 9/28
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
Equifax:
Navient Student loan lates - removed
Direct Loans student loan lates - removed
Sallie Mae Student loan lates - removed
Bank of America - removed
Bank of America #2 - removed
HSBC Yamaha - removed
Capital One CO - removed 9/30/15
Midland HSBC - will age off 2/2016, they have agreed not to report, letters sent
Cavalry BoA - will age off 2/2106, the OC has removed the entry, letter sent
Cavalry BoA #2 - will age off 2/2016, the OC has removed the entry, letter sent
HSBC Kawasaki - will age off 2/2016, have started GW process
University Loan - will turn to a positive TL once loan is paid off ($2,650 remaining)
Experian is down to one baddie left with the removal of my Capital One CO. If you are curious as to how a CO that is updating monthly can hurt you, that baddie was 6 years, 9 months old and accounted for 66 FICO points. SIXTY SIX. And it's not even my last baddie.46 points on my dirtier Equifax CR. If you have a similar baddie - a CO that updates monthly with a balance that is way over the old credit limit, address it ASAP if you can. It will hurt majorly until it's gone. Also picked up 20 points on TU with the removal of another charge off that had been closed a couple of years. I can see the light at the end of the tunnel!
Scores as of today:
TU: 730 (+20 points) - 1 baddie left
EX: 704 (+66 points) - 1 baddie left
EQ: 684 (+46 points) - 5 baddies left
Figured it was time for an update!
TransUnion:
CLEAN
Experian:
CLEAN
Equifax:
CLEAN but hasn't updated
Some exciting updates! I have finally managed to get my reports cleaned up completely. No lates, collections, charge-offs, or public records. I spent about an hour today just going through my files and really am appreciating the amount of work that went into this rebuild. From February of this year until today I've written letters, paid things, written more letters, faxed documents to executives, had incorrect information updated, applied for early exclusion, and more.
I started off the year with around 14 major derogs on every bureau, including the dreaded student loan lates. Thanks to lots of research, patience (and at times no patience) and persistence, along with lots of fine folks on the internet willing to help others, my repair journey is pretty much over. I have no shifted into rebuild/fatten my file mode.
Scores as of today:
TU: 718 (-18) - no baddies! Actually lost a few points when the last baddie disappeared. Annoying. Hopefully it'll rebound in time.
EX: 755 (+111 points) - no baddies! Gained a ton of points here. Was actually up to 768 before my app spree.
EQ: 684 (no change) - waiting for everything to process on this one.
Will update on a final tally! Next up: PHASE II - REBUILDING!