I printed my Equifax credit report and then I pulled out my Trans Union and Experian reports after I sent my first round of letters. Trans Union and Experian replied and deleted alot of baddies. Equifax did not. I compared the reports and 7 of the baddies on Equifax were never removed or even validated by them. So, I am going to write again and list the account numbers and reference that the other 2 CRA's have since deleted the information and ask that Equifax do the same.
Whether or not that works, I don't know but I'm sure going to try it. In fact, I don't recall ever getting anything back after the first round of Equifax letters. Secondly, as far as my student loan default goes, I wrote a lengthy letter to the U.S. Dept of Education explaining I am rehabbing the loan(s), and included a copy of my letter to NCO and stated I am making consecutive payments towards the loan. I am asking that they consider my proof and situation and ask that they consider deleting some of the negative information if not all of it. I don't know what they are willing to do but all I know is if I don't ask, I'll never know so might as well try. Hopefully they'll help me out some.
So here we go. Wish me luck please! Thanks to everyone for your support and encouragement!!
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.