I finally broke down and purchased my FICO scores. After being a lurker and admiring everyone from thsidelines, I decided to get my hands dirty. Anyway, looked at the report and all that good stuff, and it looks like my student loan has reported twice on my Experian report. That would be great if it was a good report! It's for the same loan, same beginnning balance shows and all. Eventhough I am currently paying it on time, all of the time... it wasn't always like that. I have a string of lateness from about two years ago on there. So, I am thinking that is being counted against me twice. If so, what can I do about it? SHOULD I do anything about it? I was thinking about a letter, but I'm not even sure where to begin. I currently have so many letters out there right now. In fact, I just mailed all three bureaus request for address removals. Should I not touch the student loan thing until after that has resulted? Thanks CB

This has been addressed several times, actually. The SL lenders are moving away from using SSN for account number and assigning new account numbers. Be patient - this may resolve itself but if it hasn't in a couple of months, dispute the old loan as a duplicate.

And no, you should NEVER submit a new dispute when you're waiting on results from a prior dispute. That will not be to your benefit.

Yeah, I know. I posted my topic, and then saw the exact same topic being brought up once I submitted it. Sorry for being redundant. But thanks for your reply anyway!