Hi everyone, thank you all so much for your help From November 02- present my score has increased 100 points. I am so excited about my success. Now I am onto another problem I am in the process of trying to fix my boyfriends credit report. He has a number of student loan related trade-lines, I never had these, and need some help in the beginning steps of dispute validation. 1. Do you dispute as a normal collection account 2. Where do you start 3 Can anyone provide me with a link to some good threads re student loans. Thank you