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First round of credit repair completed...now what?


jblash
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I pulled my reports two months ago and they were a diasaster. After my first round of disputes, I successfully had two of three collections accounts deleted from all three reports. The two that were deleted were from a power company and cable company.



I have three 30 day lates on a Capital One card that is now in good standing, (out of about 40 payments total) and 3 lates over the course of two accounts with American Honda Finance, one of which was closed in good standing, the other is in good standing as well, since it is my current vehicle. (also around 40 payments between the two accounts)



Was recently approved for a Credit One Bank Visa with a $300 limit and a Chase Slate Visa with a $500 limit. Current FICO Experian Score is 642.


(Up from 558 about a month ago)



I tried a GW deletion letter on Capital One, and they merely initiated a dispute, and then rejected it. I'm going to try the same with American Honda Finance.



Finally, my major probem is a charge off from 2011 in the amount of $2400 from a Bank of America CC that went into collections.



I've disputed ALL of these things, with no success. What do I do now to get rid of the BofA account and the late payments on the Capital One ($1500 limit) and the two American Honda Finance accounts?



Also sent a DV letter to the collection agency owning my BofA debt about 30 days ago, and haven't heard from them yet.



To clarify, I have already disputed ALL of these items with both the creditors (cap1 and honda), OC's (BofA) AND the bureaus to no avail.


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