First, I'd like to say that I'm so glad that I found this site. I've been poring through all of the newbie stuff with great interest. I tried this on my own a couple of months ago, and was totally lost. I pulled my TU report tonight, and it was the first time I actually knew what I was looking at. Needless to say, I'm currently in the "I knew it was bad, but holy *#$@" stage right now. I couldn't find an answer to this through the search, but that could just be me.. Sorry if it's a redundant question. I've got a total of 4 student loans, serviced by 2 different companies (GLHEC and KHESLC). I'm going to consolidate shortly, but I don't think that will fix this problem. Both of the GLHEC loans and one of the KHESLC have 10 90+ hits on them, as well as the associated 60 day and 30 day delinquents, from a time when I was unemployed, and was supposed to have been under a deferment, but wasn't (for asstd reasons, depending on who you talk to). Regardless, I'd like to try to get those knocked off, as they're having a big impact on my score (I'd presume). Just curious, though, what's the best way to approach this? All of the loans are still active with the servicing companies, and are up to date. Should I approach them directly, and try for goodwill, or should I dispute them through the CRAs? Thanks, Mike
