That's great news! :D Good deal.
For the student loan......I would just try disputing it first. Then if for some reason it comes back verified, contact the loan co.
For the Wells Fargo.....look carefully at how it's reporting. See if there are any inaccuracies at all (dates, terms, balance, etc) and you can dispute those things. If you are not sure, post the way it's reporting (leave out personal info) and then we look over it.
On those 2 accts.......how are they reporting? Who is reporting it? (both OC and CA? or just one?)
I think the best thing would be to dispute it with the CRAs first.......and then if it comes back verified.......go to the OC.....NOT the CA (esp. RJM - blech).
You may be able to do a PFD on those depending on what state you are in.
And you're welcome. I'm glad I could help.
