I was making a single payment to my lender for six micro loans and went past 90 once 2 years ago while waiting for a consolidation/transfer to occur. This now results in 6 negative comments, each with a 90+. Now shows paid as agreed, and loans have been consolidated and transferred. Should I have the original lender validate, and/or dispute with Credit agencies, or try a nice letter with a "goodwill" request for removal. Thank you so much!!!