I've been doing persistent credit report dispute letters and got one collection removed so far and also been working on several old school loans which got consolodated into one loan.
They changed the amount to $0 and set current status to pays as agreed but the account on equifax lists still under negative accounts, the only bad thing listed is under the payment history grid which shows in 2006 I had a 90 day late?
Is the account considered good standing ?
SALLIE MAE LSCF
1002 Arthur Dr
Lynn Haven, FL-324441683
| Account Number: | XXXXXXXXXXX | Current Status: | PAYS AS AGREED |
| Account Owner: | Individual Account. | High Credit: | $2,000 |
Type of Account  : | Installment | Credit Limit: | $0 |
| Term Duration: | Terms Frequency: | ||
| Date Opened: | 10/2000 | Balance: | $0 |
| Date Reported: | 03/2010 | Amount Past Due: | $0 |
| Date of Last Payment: | 01/2007 | Actual Payment Amount: | $0 |
| Scheduled Payment Amount: | $0 | Date of Last Activity: | 01/2007 |
| Date Major Delinquency First Reported: | Months Reviewed: | 2 | |
| Creditor Classification: | Activity Description: | Paid and Closed | |
| Charge Off Amount: | $0 | Deferred Payment Start Date: | |
| Balloon Payment Amount: | $0 | Balloon Payment Date: | |
| Date Closed: | 01/2007 | Type of Loan: | Education Loan |
| Date of First Delinquency: | N/A | ||
| Comments: |
81-Month Payment History
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2010 | * | * | ||||||||||
| 2009 | * | * | * | * | * | * | * | * | * | * | * | * |
| 2008 | * | * | * | * | * | * | * | * | * | * | * | * |
| 2007 | * | * | * | * | * | * | * | * | * | * | * | * |
| 2006 | * | * | * | * | * | * | * | * | 90 | * | * | * |
| 2005 | * | * | * | * | * | * | * | * | * | * | * | * |
| 2004 | * | * | * | * | * | * | * | * | * | * | * | * |
| 2003 | * | * | * | * | * | * | * |
