Who should I talk to about this situation?

Should I talk to someone at my bank? A lawyer? A debt management place?

I have had bad experiences with debt management places. All they do is take your money and distribute it to your accounts.

Your bank won't be able to help you read the report. Since they are not tax advisors, they are not allowed to try and discuss your credit report with you. All we can do is give you your FICO. Did you already pull a copy of all three bureaus? You need to go onto www.annualcreditreport.com. Everyone is entitled to a free copy of their credit report (all three bureaus) once a year. It's presented in a pretty user friendly format. You don't get your FICO that way, but at least you can see if you have any 30/60/90 day lates reported. After that, if you need more help reading it, you can always contact a tax advisor.

i have already gotten a 3 bureau credit report.

I thought that I had taken care of all except two accounts, but it looks as if there possibly could be more that are past due..

I just want someone to verify which ones I actually need to pay..

I will try calling the ones that I think might be owed. But I just want a professional to look over my credit report to make sure I meet the requirements for getting the GRAD PLUS loan for school.

Which professional would I need to contact to do this for me? Tax lawyer?, CPA? Something else?

Can you trust someone in your family or friends who can analyze your credit report better?

You should see the current standing of all the accounts listed in the report. It should mention how long you were late on the accounts. If you see anything disputed, write a letter to the credit bureau and get it fixed. They will verify it with the creditors and update the records.

There are credit repair companies who can help in fixing your credit, by charging a fee. Be careful when you shop for the company. Check them with your state AG and the local BBB.

Does your bank offer consumer counseling? Mine does, they have a gentleman who offers seminars and one on one counseling regarding debt related issues, credit, etc...or you can try a local credit counseling agency, some cities have them, they are non-profit and should be able to help you.

Credit reports have nothing to do with taxes and banks can and often do advise on ways to improve your credit. A good loan officer will take the time to go over a credit report.