Thanks for everyone's suggestion on the auto loan. I decided I would do a cash car because the money they would charge me in interest is money I could use toward my CLI for my secured cards which I plan on having soon after vehicle purchase.
Good news I have received a few updates IIB SW but the interesting thing about it ....ALL updates say "Close By Consumer, Paid As Agreed $0 Bal H/C reported as CL" all Derog reporting removed from those already updated. I am a little shocked, but nonetheless... I am HAPPY! I have received a little bump in Fico (approx 10pts EQ SW Alerts). I cannot wait for more to updates. I hope they all update the same way.
I would love feedback, suggestions, or experiences with this or if someone has seen the same thing happen to them.
I am only 10 days out of 341 Meeting and my discharge is not expected until March. I hope I don't have to do any fixes afterwards ... It would be a blessing to a have the CRAs report quickly and accurately for a change.
Until next post... Thanks again for ALL your support, warm welcome, and advice.
Blessings
Hunni 
Current Scores: 564 EQ MyFico SW Alert 05/02/13; 640 TU Lender Pull 04/25/13; 581 EX VantageScore Experian.com 03/15/13