Hi Joey:
I have to agree with Tron on this one. Normally they only offer the rehabilitation programs to those that are in serious default. Now there is a bit of inconsistencies upon what the rehabilitation program is supposed to "clear from your credit report". Many of reported that it clears the entire trade line (including late payments), but other's have reported that it only clears the "status" of the old account (but not the late payments). The good news is that as long as you continue to make those on time payments, then those baddies are hurting your score less and less.
Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge