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I'm unclear what you were disputing.
An account will be flagged if it has any negatives. Were you actually 120 days late in 2003?
Are these all paid?
Where is it saying "At least 120 days or more than four payments past due" at?
Where is it saying "Closed or paid account/zero balance refinanced student loan"?
I was disputing because I thought these were in consolidation and for some reason I thought late payments didn't stay as long on your report. Here's what I got today: