Now all my credit reports are up to date. The default loan account is gone and both accounts are showing closed and paid as agreed. New lender has not reported loans on my report. Now time to work on GW letter. Unfortunately no score change since I am still dealing with a SW collection account that was added to my report this month. They update it every Saturday so I get an alert weekly reminding me its there. I can't wait till this is off so I can see how the default loan removal effecting my score. 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |

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Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013