First I would like to thank all of you as your information has been very helpful!
I am trying to clean up my credit report and years of irresponsibility on my part and have a ?
I have 2 student loans (734.00, 250.00) went into default years ago. Both have been paid to Asa since 2006. The oc is showing as bad debt placed for collections with a $0 balance and Asa is showing as paid with a $0 balance but currently 120 days past due......is there anything I can do to change the way it is and do you think it will help my score?