I started my rebuilding process a lil over a year ago with scores in the 480-490 range. i had some successful disputing, 2 PFD request, the rest i took a chance on and paid off and fortunate for me those things are no longer on my report. im posting a screen shot of what is left and see what people here think.
As for the Amex acct, i was really amazed that i was ever even appoved for a card. i applied for a zync acct in nov 2011 with scores less than what they are now. My acct was closed due to returned payments. apparently I had a restrictive checking account that wouldnt approve any transaction over $400, which i didnt think applied to using EFT but apparently it did. I have since left that financial institution and i have recently paid the $664 to Amex, it just hasnt updated yet. I tried re-applying for a differnet amex card before I had i had paid my past balance and all i got for my denial was that " amex had previously closed one of your accounts". Does this mean that everything else was ok for a new account? After all, i was approved for a zync with worse scores, no CC history at all in past 4 years or so. What should my next steps be to getting "right' with amex? sending a GW letter explaining my situation? phone call to one of the back door #s? any other advice?
My capital one acct is new. its my first CC in many many years and been paying on time to help rebuild. i opened it in jan with a $300 limit that increased to $500 after 6 months. I have pretty much paid this bill in full every month and tend to have a $0 balance, it just so happen that i had a lot of charges on it at the time they reported it in sept.
Santader: Also a new acct for me. we really needed a new ride and i have a really really sucky interest rate. Im hoping that 6 month - 1 year of on time payments in conjuction with paying my CC on time and low balance that i can refi thru my bank or different lender for a lot better rate.
 Credit First | 8/2004 | $0 | Charged off as bad debt |  | Details | |
| American Express | XXXXXXXXXXXX6713 | 11/2011 | $664 | Charged off as bad debt | | Details |
| Capital One Bank Usa Na | 1/2012 | $450 | Paid or paying as agreed | No | Details | |
| Hsbc Bank | 7/2004 | $0 | Paid or paying as agreed | No | Details | |
 Aaron Rents Inc | XXXXXXX7650 | 5/2006 | $0 | Paid or paying as agreed | No | Details |
| Regions Bank-Newnan | XXXXXXXX2105 | 10/2003 | $0 | Paid or paying as agreed | No | Details |
 Santander Consumer Usa | XXXXXXXXXXXXX1000 | 8/2012 | $21,985 | Paid or paying as agreed | No | Details |
Starting Score: TU 557 EQ 537
yea, that is what i was thinking. would a GW to OC or DV thru EQ and TU be the best? I paid the debt a while ago and if i were to dispute it then they may not even take the time to validate it since they have their money.
More than likely those two will validate. Try a few GWs and see how that goes.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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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.