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A few years back I hit a few life bumps and the ol' credit report took a beating. Not that it has ever been all that great, but that has all changed. I am being responsible and taking care of business. I laid low for many years and just let the dust settle and the slate be wiped clean- suffer for my previous mess ups but learned good lessons. I have 4 accounts out there dealing with 2 student loans with Nelnet. When I was out of work in 2009 and couldn't pay - they showed 120+Late and sent them over to the state government insurer who promptly put in a wage ganishment when they learned I had started back to work. At the end of that garnishment my employer stopped taking out the payments at the amount of the original garnishment. Only thing is- there were real small balances of accrued interest (less than $20 each) that I was not aware of and I don't recall ever being notified of. After about 6 months they wrote these off and closed the accounts reporting as Settled for less than Balance, 120+Late. I tried to dispute the student loans in 2/13, but not sure what to dispute because yes they are mine. Now, the Nelnet says - Transferred to Government 2/13- when they were transferred in 6/10. Anything I can do to make these negative student loan issues better?
