Hello folks. I have scores of low 500's with all three CRAs. I am ready to file disputes and my biggest questions are these: 1)I have one public record for which I was never served. I plan on calling a lawyer to see if I can get this removed based on those grounds. I only recently pulled my report after the news regarding the Sallie mae screw up. Does anyone forsee any issues with this tactic? 2) Student Loans. I consolidated last year with Nelnet and all my Sallie Mae loans are reporting as paid or paying as agreed. Is there anything else that can be does with the Sallie Mae portion on my credit report? Since they are past the 7 year mark, can I request to have them removed or is the paid or paying as agreed a good thing? Nelnet changed their name to College Access Network and now the delinquency is showing on nelnet and College Access. Is this legal? Can I do anything about that reporting. It is not in default and I plan on calling College Access to start paying it back but in the meantime, is there any way to clean up the report based on how these items are reporting. Thanks for reading and any comments are appreciated.
I'd leave the Sallie Mae accounts alone providing they have no derogatory history. You'll need to move to vacate the judgment in order to void it.
I would advise you to retain counsel. It is a very difficult task (getting it done, not the pleadings).
