Thanks to all of you for such insightful advice. I just started the process of hopefully helping myself to become a creditworthy individual. First of all I had my defaulted student loan consolidated with direct loan. That means no more federal offset which I just received today (notice of that). I sent my first letters off Monday to all the CRAs. I received my RR from Experian. Odd that I have not received EQ when I am right here in Atlanta. Would it be wise to do an online dispute simultaneously with all three? What should happen next?
