I'm sitting right around 600 fico credit score right now (600-640 on CK, 598 according to rocket mortgage hard pull). I'm pretty much on track for everything except I have nine missed payments from student loans that are between 8 and 11 years old from origination date.

in 2019, All seven loans went from showing dashes to showing a closed symbol on experian for 3-month period before going back to dashes again. (forgive my inelegant wording)

I filed a dispute with experian due to that age of the loans. and that they've been at a zero balance since 2019. however upon further Reading I'm not so sure it's going to make a difference. opinions?

edit: never made a payment, not even one. my mom forced me to pick school or work and I picked school essentially to pass the time.