The big 90+ late from 2001 is from my student loans - Sallie Mae is the lender. That definitely appears to be the mark that AmEx picked up as it the only 90+ on my record I can see. (even tho neither bureau is openly reporting it in my summary)
What is a GW letter? And what exactly would I say to Sallie Mae when I called them?
Also, Equinox stated that one thing working against me was in fact that I have no major cards from the major companies (Visa, MCm etc) open or active. While I have been getting conflicting advice/info on this I am going to try to open a card and keep it minimally active. Do you advise for or against this?
Thank you so much for the continued advice.
ps: I am also scheduled to meet and talk with a financial planner from work on Thursday, hopefully he/she can shed some light on my issues and help out.