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Current, good standing accounts showing as adverse on my report?
I have four student loans that have all been open since 2007, 2008, or 2009. Out of all that time, they have been in good standing except for a short period of five months or less (depending on which loan) where they were delinquent. I got it straightened out as soon as I realized my situation and set up a new payment plan. They have bren current for over a year now without fail. Why do they all show as adverse accounts on my report?

All I have adversely affecting my account besides these account are two small accounts that I will pay off when I get the money to do so. They are in collection status from 3-4 years ago. I have only three short life student loans listed as satisfactory on my report. I have nothing else in my credit history.

My current TransUnion score is 588. If these current accounts are going to contnue to effect my score negative despite positive payments, how am I supposed to raise myaccount score?

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