RobertEG - Incredibly helpful, thanks. There are definitely basic 30 day lates, on a student loan account that is current and in good standing today, from Jan and Feb 2009 that are still showing on my TU credit report from annualcreditreport.com. These are clearly past the 7 years, so I'll call them tomorrow.
Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
July 2017 Current Scores: Approx 710 (waiting for official updates)
