Sallie Mae incorrect payment reporting?

[vintagespeed]

I have one last negative student loan reporting, somehow I've managed to get the other 3 baddies removed.....through perseverance and continual disputing..

 

Anyway, this last transaction line reports an account opened date of 1/1/2001. It reports payments made throughout 2002 and two payments in 2003.

 

However. I dont recall ever paying on this loan through Sallie Mae and I know that my account was sold in 2002 to another lender thus making the 2003 payments incorrect I guess?

 

My question is, by disputing with the CRA and asking for validation on the payment history can I get a deletion?

 

Being that SOL is 7yrs after first reported delinquency, I'm hoping this will prove a violation in reporting and finally drop this lousy tradeline?

 

:fingerscrossed:

[vintagespeed]

okay, after sitting on this for awhile and digging through some old paperwork, i came across the following website which allowed me to login to my account and print out a lot of information about my student loan(s). http://www.nslds.ed.gov/nslds_SA/

 

 

here is the detail of my Sallie Mae defaulted loan. it clearly shows that my loan was IN default 3/15/2003, which means that my Date of Delinquency was 30days after the last payment made which is May 2002.

 

being that 7yrs after the date of delinquency will determine when it falls off my credit report, how do i attack this??

 

Edited March 11, 2009 by vintagespeed

[LynnInMN]

okay, after sitting on this for awhile and digging through some old paperwork, i came across the following website which allowed me to login to my account and print out a lot of information about my student loan(s). http://www.nslds.ed.gov/nslds_SA/

 

 

here is the detail of my Sallie Mae defaulted loan. it clearly shows that my loan was IN default 3/15/2003, which means that my Date of Delinquency was 30days after the last payment made which is May 2002.

 

being that 7yrs after the date of delinquency will determine when it falls off my credit report, how do i attack this??

 

 

 

Student loans dont report from the DOLA....reporting is based on your default or claim paid date. So Sallie Mae's base reporting date would be March 03, when CSAC paid the claim.

[vintagespeed]

okay, so i'm stuck with this for another year. thank you for clearing that up for me!

[vintagespeed]

** UPDATE **

 

well, my continued disputing of this trade line finally paid off! i recvd my EX report yesterday and it showed that Sallie updated the payment history and changed the status to "TRANSFERED, PAID, NEVER LATE" !!!!

 

they removed those 18 late payments that have been my ONLY negatives on my report!