Anyone with success with: NFCU, Commenty/WFNNB, Apple FCU, Cap1, Ford Credit or Citi?

[bridgetkaryn]

Anyone have success with any of the companies listed below... I am throwing my baddies out there for public record in hopes of shaming myself into not letting this happen again but living in an expensive area and having one person lose their job for 4+ months makes paying bills TOUGH!! Not an excuse, but when it comes down to keeping a roof over our heads and food in our bellies is more important than being able to make my car payment on time, sadly. (I actually learned and started couponing and was able to reduce our grocery/personal supplies (TP, Paper Towels, Razers, shampoo, body wash, diapers, wipes etc) for a family of 4 from about $1100/mo to $250-300. At this point, and what we will be doing to pay off some bills for the next 2 months, we don't need to shop for anything but milk and fresh fruit... no more than $10/wk!! If you are interested, let me know and I will gladly show you how... Some work is involved but an 80% savings on groceries is worth it to me!

We are looking to buy a home in the next 5 months and I will be the primary on the loan and I need to get things spic-and-span with my credit...  I manageged to boost my score 170+ points in 4.5 months, and while I don't expect THAT, getting back to the 700 club or 720 would be IDEAL.

If you have had recent GW success and can point me in the right direction it would be VERY much appreciated.

Here is what I am looking to clean up:

• Ann Taylor Loft/Commenty Bank.WFNNB- 1 30 day late from 2/2013
• Navy Federal- 1- 30 day late- 11/2012
• Apple Federal Credit Union- 2- 30 day lates- 12/2013 (my card was used without my concent resulting in charges I didn't know about... hoping for removal), 4/2013. 60 day late- 05/2013.
• Capital One- 3= 30 day lates- 5/2013, 09/2011 and 4/2011 (the lates in 2011 are from when HSBC was the account holder... do I Dispute?)
• Ford Credit- 4- 30 day lates- 3/2013, 4/2013, 5/2013 and 6/2013.
• Citi Bank- 20+ 120 day lates from 12/2009 to 8/2011-ish. CO in 04/2010. Paid CO for less than amount due. DOFD- 08/2009.
• Target- On TU it shows a 30 day late from 6/2010. I GW'd it off of EQ and EX but it never left TU... Do I Dispute? I am afraid to wake a sleeping giant...

Also, I am trying to figure out reporting timelines for the following companies (How long after your due date do they report your Balance?):

Capital One

NFCU

Discover

Chase

Merrick Bank

GECRB/GAP

Thanks so much for your help!