My student loans are in full deferred status as I am in graduate school at this time. After reviewing my credit reports, I noticed that EX reports that my student loans were 90+ days late back in the May/Jun 2003 timeframe. This was when the school loans were due and not deferred, I missed 2 payments for 60+ days, but since that time have been on time for the past 3 1/2 years. I sent Citibank a goodwill letter 2 weeks ago, indicating this note on my EX report and asked for it to be revised. I hope that this leads to elimination of this notation. My question is, how might I dispute the 90+ days with Experian? Should I include a copy of a recent Equifax report showing that this information is inaccurate. Both EQ and TU show 100% positive history, no lates since 1997 when the loans were first taken out. What should I send to EX?

Thanks for the suggestions.

No you sould not send your EQ and TU reports to EX you just might awaken the sleeping giant and have the 90+ days late on all three reports. Instead repurchase (not the free report)your report from EX and dispute, dispute and dispute some more, but only give them 30 days to responed if they do not responed by day 31 send a letter CMRR Telling them not asking them to Delete the TL. If that dosen't work dispute some more.