Help with dates / laws for student loans

[djorg]

I had two student loans that I didn't pay on and they defaulted. They were turned over for collection, one to Dept. of Ed and one to HESC (New York) at the end of 1998 / beginning of 1999. My original delinquency date was 7/98.

 

I did not rehab, not knowing about this option at the time. I simply paid them off, one settled for slightly less than balance. The original holders of the loan are not reporting (equivalent to OCs). Only the Dept of Ed and HESC (who effectively served as the CAs) are reporting.

 

EQ reports that they will come off in 7/2005, 7 years after original delinquency. On the other hand, EX says they will be on there until 7 years from the date I made the last payment in 2001. After all these accounts do not report as collections and the date they were "opened" on EX is 4/99.

 

What I am not clear about is what the law says about student loans. Can anyone clarify what kind of date reporting requirements apply here?

 

Thanks for any help,

Djorg