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@cartwrna wrote:
After just reviewing your uploads, I also would advise you to try a dispute due to the inaccurate reporting of the account. Looking at the historical pay history I see that the lates are all out of whack. One month it says ok then the next 120 days late and the next 60 days late. They very well may be deleted if Sallie Mae is unable to verify the accuracy of the reporting. <Due to the time that has lapsed since they were consolidated it is very likely that Sallie Mae no longer has the information on file.> I really hope that this statement is true. What makes you think that her file from 2008-2009 wouldn't be on a computer somewhere? It isn't all that long ago. In any case, I hope you're right for her sake and mine. Thanks! Please keep us updated on your journey!!
So after the updates looks like I had 38 pts. bumped up. MyFico TU score went from 673 to now 711. Yay finally reached the 700 club. lol!
Never mind.
My plans next is to update my other CR with the other bureaus also. Im trying to build payment history with Barclaycard as they are my first credit card that I recently app for and was approved for. I eventually want to get 1 more CC and garden? I have no plans of purchasing a house anytime soon as I feel I need to be more financially stable.
Congrats!