I've got two really bad items to deal with first: Problem One. 1 student loan listed as open and defaulted, and 1 loan listed as unknown balance and 120+. This is incorrect. The first loan was in default at one time due to the bank selling it and not including it in what I thought was a full payout. But, as soon as I became aware it was still outstanding in 2001, I paid it in full. I have my paid-in-full letter. The second is paid in full. The DOLA for these are 8/1997 and 9/1997. Problem Two: A $300 bank credit card from 1997, charged off in 1997. Apparently it was picked up in 2002 by Sherman Associates. As of now, this appears TWICE in Equifax as DQs (Original issuer and Sherman), and THREE times in TU and EXP as DQs (Original issuer and Sherman, and ALSO in Collections with a SEPARATE Collection Agency. The DOLA on these vary from 97 to 99 depending on the listing. For problem one, I am torn. They drop off in less than a year. Even though I have my paid-in-full, I worry that I may fail to get the DEFAULT status removed, and the DOLA will be updated. Should I proceed with a dispute to the CRAs with my paid-in full letter? For problem two, who to attack first? The charge is legit. If I approach the original credit issuer and attempt a settlement in exchange for a good writeoff, will I then be able to fight Sherman and the Collection account listings? Any help appreciated. I don't want to screw this up.