Credit for you. Student loans 120 days late and credit cards not reported to Experian

Hey there, just happened to stumble upon your website and read your story. I am in a similar situation now (at least I did not think i was) but let me tell you a brief synopsis about myself:
- Credit for 11+ years- Married- Have not been late on any payments for several years- Some inaccuracies on Experian report I need to square up- $0 credit card debt balances all have been paid in full and still open (4 total)
Here's my problem....
1.) I have been great at paying on time for year, but around 5-6 years ago I had student loans that I was not even aware of which went into default 120+ past days due several times. Since then I have never missed a payment. They are government lenders for Student Loans and wondering if it's possible to negotiate with them at this point because I keep paying and the balance goes nowhere!
2.) I have 2 joint Credit Card accounts with my wife in both of our names and both are missing from my report, including a huge mortgage we paid off since we sold our property last month. I couldn't believe it wasn't on the report.
I have to say when I opened up my score from Experian at 606 I was shocked. We make good money, never miss any payments for the last several years now but feel like I have been ripped off and now can't even think about applying for a mortgage at this point unless I get the score back up and feel totally helpless.
Any help or insight would be tremendous ~
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i would ask the student loan folks about the one time forgiveness plan they have on loans

you may not qualify and it you may not be able to change your past lates
but I do know they have a forgiveness program. I am not sure about details at all
just call them and ask them

your credit cards and mortgage may have been reported to the other two bureaus or just one of the other two bureaus
or none may have been reported at all
always get your report from all three bureaus

who was your mortgage with
who were your cards with. what bank AND were they a visa, master card, or american express? here again.
i would call the banks and ask if they reported
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Thank you for the reply. I will call the school loan folks and see if I can help myself first. Is it possible to settle for less with same lender and not have that show up on your report as being "settled or less"?
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not really
if you settle for less, why would someone say you paid in fullunless, they are desperate for your money and, you are a good negotiator
i would not plan on that happening.
it is good to get, the date of last activity and zero balance marked in stone though.
after 2 yrs, the settled for less becomes meaningless if you have good current rated credit and, the account shows zero balance
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