Hello All,
Im new to the site and Im just getting into the rebuilding of my credit. Im excited for all of the knowledge I can gain from this forum.
A few details:
I need to run my score again to get my fico score. I was made aware of the "Fako" score (Freecreditreport.com, CreditKarma.com) and I have fell victim to it. My freecreditreport.com experian is a 658, my creditkarma.com transunion is a 668. It started at a 601 and shot up after I paid a few things off which I will list in a bit. I fell victim because when I went to refinance my car which is threw capitalone, my credit union reported back to me with a 562 experian, and when I considered trading it in, the dealership came back with a 572 transunion. 
The things I have listed on my report is as follows:
Car Note: 14,534 in debt, (car is only valued at 9,000)
2010 Nissan Altima with 92,000 miles (because my wife doesnt now how to sit still)
21.9% Interest rate!! 
With a little over 3 years left to pay.
5 delinquencies on the account which I just disputed after recieving a print out about my payments which I feel good that 2-All of them may be removed.
All delinquencies were no more the 30 days.
Sallie Mae Loan: 3,625 in debt but I recently paid it off. (which is why my Fako score jumped)
From 2005 School Loan
2 Delinquencies of 180 days... But once again its paid off, though I know its still a negative impact.
Called to try to work out something but Sallie Mae didnt budge.
Doctors Bill: $152 Also paid.
From 2005 Injury where I didnt return the xrays 
In collections.
Called, Paid, Called back and got it removed 8/25/14 (yet to show on my report)
All other accounts are either paid 100% with no delinquencies, or paid with delinquencies but over 7 years old so I believe they are positive accounts. My ideal situation would be to trade my car in for a foreign car with less miles. I do make pretty decent money and have been on my job 3 years. Or I will settle for but not be 100% satified with a refinance which I was approved for but didnt agree to due to the low score but it would be reduced to 8.9% which will reduce my payment $50 a month. Also, I want to work towards getting a fairly new house in the next couple years.
Any suggestion would be greatly appreciated!!! (I will run my fico score once I feel as though the dispute and removal will be updated so I can get a real number)
THANKS GUYS AND IM EXCITED FOR THE FUTURE OF GOOD CREDIT!!! 700 HERE I COME!!! LOL