Trish you are such a big help!
I just looked at my 3 credit reports for the first time in over a year. Most of the negative items have fallen off as you said. I do still have a few that I believe to be somewhat inaccurate. I defalted on a student loan years ago, it was purchased by NW Education Loan. I agreed to rehab my loan and in exchange they would delete this from my credit report. It is still listed on Equifax as Derogatory. Should I dispute with Equifax or NW Education Loan first? Or both? Also I have a negative listing for Wells Fargo Educational Services ( Experian), which I believe is who I originally had the loan with. It is now in good standing with Sallie Mae. If I dispute this, what would be my reasoning?
Also,
I have 2 small accounts that I would like to resolve. One is a closed checking account that I owe $146. Should I contact the OC or RJM? to resolve this? The second is an old bill from Portland General Electric, fairly small which I don't remember if it is valid or not. Should I contact the OC or the CA?
Thanks for your help I appreciate it tremendously!
