I had a student loan that I defaulted on put it is now paid. It is listed on my credit report under several different lenders. One is ECMC. From 2008-2010 is shows as KD. In my GW letter to them should I request deletion of the account in full or should I ask for the negative information to be changed. Im confused on whether ECMC is a lender that the loan was transferred to or a CA. Any information will be appreciated. TIA!