Nationwide sent a 76 dollar bill to collections and CCS reported to the collection agencies before sending me a dunning notice. Filed a complaint with the BBB and just got a letter saying they will delete from all 3 credit agencies 
That's great!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.