I have two installment loans from a fairly small bank here in Illinois (First Mid Illinois Bank and Trust). The loan was paid in full in September 2007. I have several late payments. Loan A has 30 days late on 1/07, 4/07, 5/07, 6/07 and 7/07. Loan A also has 60 days late on 2/07 and 8/07. Loan B has 30 days late on 2/07, 4/07, 5/07, 6/07 and 8/07. I have a collection account with CCB Services, small amount $371 paid off November 2008. I have Chase credit card with 30 days late in 3/08 and 4/08 then 60 days late in 5/08 then collections in 6/08. I did this based on bad advice, let it go to late/collections and they'll settle for less than the amount. Finally, GEMB CC, 30 day lates in 3/07, 12/07, 3/08 and 5/08. 60 days late on 1/08 and 6/08. All these are negatives on my CR and all are paid in full. I've disputed these accounts at least five times to no avail. I've also sent a GW letter with no luck. I would like is for the late payments to be removed or the accounts just completely removed. What should be my next steps?
