Hello! Please help...
I have a student loan showing up with a balance and as 180+ days past due on my report. I actually paid this off back in 2005. What would my best course of action be to get this cleaned up? Should I just dispute to have the status show up as paid? Can I request they validate the debt, and hopefully have it removed? I'm thinking that with student loans, they'd probably be all over it and would validate the debt.
If I have the status updated to show as paid, will it be able to stay on my credit report for an additional 7 years?
Any info that you can provide would be much appreciated.
Thanks!