OK I was several months late on all of my student loans for about 4 years....i will be able to pay everything in full in August...Sallie Mae is already paid off...one more to go....I am applying for a mortgage in October and these are my only baddies...can I 1-2 punch them off of my reports or is there a better way? Thanks in advance!!!!

If you read back thru the forum, Sallie Mae can be the worst for getting deletions. A couple of people have had success, but most have not. It seems that those who rehab there loans are most sucessful. You can try a goodwill letter.

One the 1-2 punch. They validate, usually fairly quickly. They hold the prom note. And when disputing with the CRA, they verify.