1. I have a deragatory entry from Household on my Experian report. How should I approach having these deleted? I've heard that most are not onboard with sending validation to the original creditors. 2. I have a few 30-day lates on a car loan. I want to have these removed before I pay off the loan. Does this make sense or should I just pay the balance in full? Tank you in adpans por yo hep.