Hi, I have 4 30-day lates on my Experian for a Citibank student loan that combined all 4 accounts into one payment. The report states the lates are from 12/97. Will these lates be removed 12/04 or could they perhaps be removed earlier? I was thinking of opening an investigation that I was never late thinking they are so close to coming of Exp wouldn't even bother, but I'm afraid they might just delete all 4 TL instead. If deleted, could that hurt my score since they have the longest history (opened 1995) or are they not even considered into my score (except for the lates) since they are closed? THANKS!!! OB
