I've been doing some research about my credit situation and while I am a newbie I would like to get some advice on the plan that I have come up with. I have some judgements that are for past taxes. The reports were filed and I do not owe anything but they are still on my report. Is it possible to have them removed? I have an account in collections with AT&T that is their error. They opened up two accounts for me - and I only wanted one. They closed the other account and put a bunch of fees on it. Every time I've tried to get resolved they say they will take care of it and then don't. How should I handle this now that we are with a CA? Should I request a debt validation with the CA? I have a couple (valid) collections they are so old that the orignal creditor is not even reporting on the report any longer. I want to go with debt validation with the CA's then follow that with a validation to the CRA's. I have student loans that went into default and I did the rehabilitation program. Now I have loans with nelnet. While the default is no longer on the report the old HSBC school loans are. They state paid in full but the late payments are showing up still. The DOLA is November 2001. I plan to leave these alone and let them fall off this year. Should I take a different tactic? On my TU report Direct Loan is reporting them as a unrated or bankruptcy but the past due amount is $0. The account also states that it is open. How can that be? Thanks in advance for all of your help. This board has been a Godsend.
