My 1st question is: Have you ever seen a place that takes only Visa not Discover Card, or vice versa? Many thanks for any answer. Second question of mine... Hello all, very glad to have found this board..

I have began trying to repair my credit about three years ago and have made some (although very little) progress..

I am hoping this board can help me make much more. Here is my situation. SEVERAL negs, (13) 6 of which are sallie mae, all of these Sallie mae loans are now current and two are completely paid in full. of the other 7 four are duplicates (2 entries per debt - one from CA and another from Original Creditor) all of these deliquents except 2 are paid or settled. (one is not my account and was opened before I was even 18 years old) the other is a legitmate debt that was written off but I have had zero luck contacting the creditor. 8 positives (3 are Authorized user accounts) some with credit limits above 20,000 and all paid, never late..

My question is bascially am I just screwed and have to wait on a report this bad or is there anything going in my favor since I have actively pursued and paid off my old debts? and also what can I do about the one which was opened before I was 18? is a blanket dispute likely to do anything here? Sallie Mae is probably affecting me the most and they have told me that they cannot/will not remove any of their reporting under any circumstances even though I have caught up all loans without taking a forebeance or deferrment or any such option..

I would just like advice from people who have been here and may have tips for what I can do. I pay ALL my bills I do have on time now and have for over a year but unfortunately it seems like I may have to too little until too late..

Thanks in advance and I look forward to your responses.

Zach..