What would you do?

I've had a lot of success on rebuilding the score on all three bureaus: EQ FICO of 701 (with no negative info at all); EX of 677 score (whatever that means) with 3 student loan accounts showing "potentially negative information" (don't commit there Experian), and TU with a TU score of 72? (it's been awhile since I checked that score)--and TU has 2 student loan accounts with the same info.

I've disputed and disputed with EX and TU on these student loans to no avail (though was successful with EQ)--verified, verified, verified. With the exception of two 60 day lates that will continue on one account on Experian after this year is over (and they will fall off in mid 2003), everything else student-loan-negative will fall off in November of this year.

As of today's date, I've got the following cards (and loans):

MBNA Platinum: 5000 c/l; 2700 transfered 0% rate balance
Citibank Platinum: 4500 c/l--zero balance (though I just asked for a c/l increase a day or two ago)
Citibank Driver's Edge: 2800 c/l--zero balance
Chase Platinum M/C: 5000 c/l--zero balance
Bank of America: 6500 c/l--3600 balance (8.9% rate--not too bad)
Providian Smart (or unsmart, as I say): 2000 c/l--zero balance
NextCard: 2000 c/l--zero balance
Target VISA: 3000 c/l--zero balance
American Express Optima Platinum-or-another: 2000 c/l--zero balance
Discover Platinum ? c/l--zero balance (I just applied/got approved about three days ago--anyone know what my c/l will be with a 677 EX CU score?--I know they pulled that bureau)
BestBuy: 2000 c/l--zero balance (I was bored)
RadioShack 1500 c/l--zero balance (again--bored)
Lowes (AU on the wife): 2000 c/l--$400 balance
Two auto loans (both to be paid off this year--maybe early--depends on fundage)
A mortgage (that we refied in October but isn't reporting yet--though the old one is still there--showing closed/paid off).....

After all that blabbering, my question is this: are the student loan derogs worth fighting for anymore? If you're anything like me--ya jest git tired of the whole damn thing sometimes--

My only real plan this year is a revolving second for some home improvements, and I know approval won't be a problem--

I'd like to see the effects on EX and TU of getting the student loan lates deleted--on the other hand--I'm tired of messing with it...

What would you do?

Cheers (without a Cap One in the bunch)

David

 

That's my inclination at the moment....just needing some reaffirmation (ala Al Franken...."I'm good enough....I'm smart enough...and darn it, people like me!")

Cheers,

David