Yes Another Help Please Thread!

[JRC86]

Also, have you tried disputing something that's inaccurate or incomplete about the student loans through the CRAs? Since they've already been paid off, Sallie Mae might not respond which would lead to a deletion. I doubt a goodwill letter to Sallie Mae is going to get you anywhere.

What are the most common things that are inaccurate or incomplete? Which form of sample letter should I take some pointers from when sending a dispute to a creditor that I already paid off?

[JoshuaHeckathorn]

Look closely at the account information to see if there's incorrect or outdated information. For example, check credit limits, the date you opened the account, when payment was last made, etc. Errors are often found in the details.

Regarding the dispute letter, there are some examples you can check out in the Sample Credit Repair Letters Section. Keep it simple though and dispute something specific.

[jam237]

Balances
Last Activity
Terms
Payment History

Any of the individual pieces of a tradeline could be inaccurate or incomplete.