Original SL TL

[raingirl]

First let me say thank you for all the guidance you gave me over a year and a half ago on rehab and consolidation.

Today I show good solid on-time payments!

 

I do have a question, SMae is the original creditor and looking over the CR's again today, I found they show date of last activity as 12/2001, yet last payment as 07/2002 on all of these TL's.

 

Since I am seeking to have them removed (obviously!); should I try to have the 'payment' date changed? Or is this the date they defaulted to the DOE?

 

And should I do them all all separate or together?

 

Your insight is much appreciated!

[LynnInMN]

First let me say thank you for all the guidance you gave me over a year and a half ago on rehab and consolidation.

Today I show good solid on-time payments!

 

I do have a question, SMae is the original creditor and looking over the CR's again today, I found they show date of last activity as 12/2001, yet last payment as 07/2002 on all of these TL's.

 

Since I am seeking to have them removed (obviously!); should I try to have the 'payment' date changed? Or is this the date they defaulted to the DOE?

 

And should I do them all all separate or together?

 

Your insight is much appreciated!

 

 

Everything is hinged on your actual default date, not the DOLA.

[raingirl]

How do I determine which date that is?

 

I am assuming it is after the DOLP; or is it last activtiy?