Neblet, my friend, you are beginning to see the complexity of credit repair/rebuilding and believe me, you are going to need an extreme amount of patience to accomplish what you want, which I assume is a near perfect report at all 3 CRA's.
You also need to step up above all that you see going on so you can see and understand the BIG picture.
I'm not sure I know how to explain it to you, but I do agree with all those who say to start by getting a copy of your credit report from each CRA and begin to compare and identify the differences.
To get these reports I recommend you sign up for the following CRA monitoring services,
1. True Credit: it's owned by Transunion but it will monitor changes to all 3 credit reports and notify you when something changes. You will be able to view new credit reports every 24 hours 1 minute from all three CRA's. I believe it's $12.95/mo but it's well worth it in my opinion. Pulling daily credit reports also helps achieve something called "bumpage". Supposedly when you pull enough reports their computer system reaches overflow and begins to remove "Inquiries" from your credit report. This occurs at Equifax but not Experian. You will need to know all this shortly.
2. Equifax: their monitoring service is named "Equifax Credit Watch Gold" and it's $12.95/mo.& it does basically the same as True Credit, except you now have a way to dispute information on your Equifax credit report that may be in error.
3. Experian: their monitoring service is "Credit Manager/Keeper" and in my opinion you probably don't need it unless you feel you have to have a way to dispute on line which I do not recommend.
Next, establish a base line for your FICO scores by purchasing them unless you already have them, I think you said you do. You are going to want to chart your progress in repairing your credit reports by monitoring FICO scores. Be patient though they are expensive, use discount code (MW01) for 20% discount. Every month in the beginning is more than enough, 6 weeks would be better. It's important to keep yourself motivated and this is how I did it. And, do not pay any attention to the comments made in the FICO reports, they will only confuse you and they are meaningless.
If you decide to do what I recommend I will be glad to help you based on my experiences over the last year. I really can explain in detail the car loan deal as I just went thru it myself.
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739