@Anonymous wrote:Very curious how you managed to get so many baddies removed.
Thanks to everyone!
With all of them, I dealt directly with the original creditors. I never dealt with the collection agencies they were sent to.
Verizon - I wasnt going to pay them a single dime until they corrected the billing and reporting errors. I then settled the final bill with them directly over the phone. The agent put me hold with she issued the recall from all credit reporting agencies.
Old utility bill from apartment complex, couldnt reach them, no longer existed, disputed online with CRA
AT&T - I simply called them and said I wanted to take care of an old final bill. Paid it over the phone.
Dental bill - drove to dentist, walked in, paid on the spot. Stood there while the receptionist applied the payment and sent notice to have it removed from collections, and then gave me a screen print out to prove it all.
Now HOWEVER, the student loans? Let me clarify:
US Dept of ED AFSA - apparently Nelnet/AFSA /US Dept of ED are all one in the same.
The US Dept of ED defaulted tradlines were deleted. The original tradelines INCLUDING the lates from Nelnet have not been removed. Only the defaulted tradelines created by US Dept of ED while in default with Nelnet are the ones that were deleted. The only change on the original Nelnet accounts:
1) STATUS: 120+ days PAST DUE changed to PAID AS AGREED
2) collection permanently assigned to government (cant recall exact wording)/defaulted - comments were removed
As stated in my original post above, there are still a ton of lates reporting on most student loan accounts across the board.
I'm honestly surprised that I've been able to reach close to 700's dispite of all the lates 
