Scores going up. (Thanks) Need input on last few bads

[Macchamps75]

What woudl you guys do about these last few? This site is great i have learned a lot and am helping my scores. Thanks again.  If i have broke any forum rules or anything of that nature please let me know. I am new here but have been looking for a while now. Thanks mods.

Personal bank loan - 30 days late the first month, they were spose to set up automatic withdraw but did not. Since then perfect
I have done nothing about this one yet Any input?

Student loans - sallie mae - paid every payment on time, paid 1,500 dollars to pay off. found out later they had a 5 dollar fee to pay by phone that was not included. paid the 5 dollars 3 months later ( They sent it to internal collections but i paid sallie mae the 5 bucks) needless to say 90 late
I sent a GW to this one Any more input

Student loan - part of the above sallie mae SM servicing. says 5 dollar ballance opened nov 2003 closed 2004 zero ballance status as unrated or bankrupcy
Done nothing with this one

Verizon south - closed my phone line account they kept open my DSL account 87 dollar ballance now 0 account opened jun 2005 closed aug 2005.
Sent this one a GW Any more input?

Cell phone - Called and got this one take off 3 days ago after they sold the debt to a CA i called and paid the OC and they told the CA 3 times but they still reported it as not paid for a year. The customer service lady said if it was not off in 30 days to call back.
Am i good to go on this one?

[Macchamps75]

also i have a bunch of inquiries on my CR. from looking for a car. all within the past year. i know this is only 10% but every bit helps. if there is any way to get those off easy please fell free to let me know.

[future]

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Macchamps75 wrote:

What woudl you guys do about these last few? This site is great i have learned a lot and am helping my scores. Thanks again.  If i have broke any forum rules or anything of that nature please let me know. I am new here but have been looking for a while now. Thanks mods.

Personal bank loan - 30 days late the first month, they were spose to set up automatic withdraw but did not. Since then perfect
I have done nothing about this one yet Any input? gw them explain what led this to happen in your gw

Student loans - sallie mae - paid every payment on time, paid 1,500 dollars to pay off. found out later they had a 5 dollar fee to pay by phone that was not included. paid the 5 dollars 3 months later ( They sent it to internal collections but i paid sallie mae the 5 bucks) needless to say 90 late
I sent a GW to this one Any more input -gw them also or call customer service, explain to them that it wasnt made aware to you that there was a fee.

Student loan - part of the above sallie mae SM servicing. says 5 dollar ballance opened nov 2003 closed 2004 zero ballance status as unrated or bankrupcy
Done nothing with this one- ans up above

Verizon south - closed my phone line account they kept open my DSL account 87 dollar ballance now 0 account opened jun 2005 closed aug 2005.
Sent this one a GW Any more input?contact verizon south, see if they own the acc, if so make arrangements to pay them

Cell phone - Called and got this one take off 3 days ago after they sold the debt to a CA i called and paid the OC and they told the CA 3 times but they still reported it as not paid for a year. The customer service lady said if it was not off in 30 days to call back.
Am i good to go on this one? dispute with the cra

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