Student Loan Rehab Question

[sh23jk]

My DH credit reports are full of negative student loan entries.

 

He consolidated them and entered into rehab program. He has been in rehab for maybe 9 - 12 months.

 

These entries are showing on all 3 bureau's (EFX/XPN/TU).

 

His scores are as follows:

 

EFX 578 XPN 533 TU 527

 

Will getting these removed help his score? If so, a little or a lot?

 

My question, can we do anything to delete the old tradelines showing which show as follows:

 

SM SERVICING

Loan Term: M

Late Dates: 09-6/2003 05(+)-5/2003 05(+)-4/2003 05(+)-3/2003 05(+)-2/2003 05(+)-1/2003 05(+)-12/2002

AMOUNT IS ORIGINAL LOAN AMOUNT

TRANSFERRED TO ANOTHER LENDER OR CLAIM PURCHASED

ACCOUNT TRANSFERRED TO ANOTHER OFFICE

CLAIM FILED WITH GOVERNMENT FOR INSURED PORTION OF BALANCE OF LOAN EDUCATIONAL LOAN

 

 

STUDENT LOAN MKT ASSN

AMOUNT IS ORIGINAL LOAN AMOUNT

TRANSFERRED TO ANOTHER LENDER OR CLAIM PURCHASED ACCOUNT TRANSFERRED TO ANOTHER OFFICE

THIS IS AN ACCOUNT IN GOOD STANDING

EDUCATIONAL LOAN

 

CA STU AID

Late Dates 9-12/2003

AMOUNT IS ORIGINAL LOAN AMOUNT

PAID ACCOUNT/ZERO BALANCE

ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY OR CREDIT GRANTOR'S INTERNAL COLLECTION DEPARTMENT

EDUCATIONAL LOAN

 

NELNET LNS

Late Dates 9-2/05 05(+) 10/03 05(+) 8/03 05(+) 7/03 05(+) 6/03 05(+) 5/03

PAID COLLECTION

STUDENT LOAN ASSIGNED TO GOVERNMENT

 

NELNET LNS

Late Dates 9-2/05 05(+) 10/03 05(+) 8/03 05(+) 7/03 05(+) 6/03 05(+) 5/03

ACCOUNT CLOSED BY CONSUMER

 

NELNET LNS

Late Dates 9-2/05 05(+) 10/03 05(+) 8/03 05(+) 7/03 05(+) 6/03 05(+) 5/03

PAID COLLECTION

STUDENT LOAN ASSIGNED TO GOVERNMENT

 

NELNET LNS

Late Dates 9-2/05 05(+) 10/03 05(+) 8/03 05(+) 7/03 05(+) 6/03 05(+) 5/03

ACCOUNT CLOSED BY CONSUMER

 

 

NTLSTDNTLN

Late Dates 9-2/05 9-3/04

PAID COLLECTION

DEFAULTED LOAN - CLAIM FILED AGAINST GUARANTOR

BAD DEBT; PLACED FOR COLLECTION; SKIP

 

SALLIE MAE

Late Dates 5-5/03 5-4/03 5-3/03 5-2/03 5-1/03 5-12/02 5-11/02

ACCOUNT TRANSFERRED OR SOLD

BAD DEBT; PLACED FOR COLLECTION; SKIP

 

 

SM SERVICING

Loan Term: M

Late Dates: 09-6/2003 05(+)-5/2003 05(+)-4/2003 05(+)-3/2003 05(+)-2/2003 05(+)-1/2003

05(+)-12/2002

AMOUNT IS ORIGINAL LOAN AMOUNT

TRANSFERRED TO ANOTHER LENDER OR CLAIM PURCHASED

ACCOUNT TRANSFERRED TO ANOTHER OFFICE

CLAIM FILED WITH GOVERNMENT FOR INSURED PORTION OF BALANCE OF LOAN EDUCATIONAL LOAN

 

SM SERVICING

Loan Term: M

STUDENT LOAN

TRANSFERRED TO ANOTHER LENDER

 

The new loan is showing and paid as agreed.

 

All input is appreciated. We are looking to purchase a vehicle in the next 2-3 months, using his credit as mine needs a lot more help.

 

Thanks

 

[Cynic]

He didn't rehab.

 

He consolidated.

 

The baddies will be staying.

 

PS: looks like there were some private loans. Those probably were not included in the consolidation. FYI.

[LynnInMN]

My DH credit reports are full of negative student loan entries.

 

He consolidated them and entered into rehab program. He has been in rehab for maybe 9 - 12 months.

 

Nope. You have to rehab when you are in default. If he is in consolidation, his loan is current. Therefore he is NOT in rehab.

 

These entries are showing on all 3 bureau's (EFX/XPN/TU).

 

His scores are as follows:

 

EFX 578 XPN 533 TU 527

 

Will getting these removed help his score? If so, a little or a lot?

 

None of these tradelines are eligible to be removed. They should be on there for 7 years from the claim paid date.

 

My question, can we do anything to delete the old tradelines showing which show as follows:

 

 

[sh23jk]

My DH credit reports are full of negative student loan entries.

 

He consolidated them and entered into rehab program. He has been in rehab for maybe 9 - 12 months.

 

Nope. You have to rehab when you are in default. If he is in consolidation, his loan is current. Therefore he is NOT in rehab.

 

These entries are showing on all 3 bureau's (EFX/XPN/TU).

 

His scores are as follows:

 

EFX 578 XPN 533 TU 527

 

Will getting these removed help his score? If so, a little or a lot?

 

None of these tradelines are eligible to be removed. They should be on there for 7 years from the claim paid date.

 

My question, can we do anything to delete the old tradelines showing which show as follows:

 

 

[sh23jk]

My DH credit reports are full of negative student loan entries.

 

He consolidated them and entered into rehab program. He has been in rehab for maybe 9 - 12 months.

 

Nope. You have to rehab when you are in default. If he is in consolidation, his loan is current. Therefore he is NOT in rehab.

 

These entries are showing on all 3 bureau's (EFX/XPN/TU).

 

His scores are as follows:

 

EFX 578 XPN 533 TU 527

 

Will getting these removed help his score? If so, a little or a lot?

 

None of these tradelines are eligible to be removed. They should be on there for 7 years from the claim paid date.

 

My question, can we do anything to delete the old tradelines showing which show as follows:

 

 

[sh23jk]

He was in default and was contacted by the company he consolidated with.

 

Thanks for your inputs.