Not even sure where to begin here.
By the way, I am posting this for my wife, as she does not have access to the internet.

Just pulled her 3 from privacywatch.com... the one she decided she wanted to use.

She has an old student loan (That we ARE paying on) listed... many times.

What's the procedure here for getting this corrected? Will the old "Duplicate" dispute work? I am not sure, as the dollar amounts are different on some of them.

Here they are, listed in no particular order:



Equifax:STUDENT LOAN GUAR OF
Account Number: 449486XXXX
Acct Type: Installment
Acct Status: Closed
Monthly Payment: $0
Date Open: N/A
Balance: $0
Terms: N/A
High Balance: $448
Limit: N/A
Past Due: $0
Remarks: PAID COLLECTION STUDENT LOAN
Payment Status: At least 120 days or more than four payments past due



Equifax:STUDENT LOAN GUAR OF
Account Number: 349486XXXX
Acct Type: Installment
Acct Status: Closed
Monthly Payment: $0
Date Open: N/A
Balance: $0
Terms: N/A
High Balance: $448
Limit: N/A
Past Due: $0
Remarks: PAID COLLECTION STUDENT LOAN
Payment Status: At least 120 days or more than four payments past due



Experian:STUDENT LOAN GUARANTEE
Account Number: 449486XXXX
Acct Type: Education Loan
Acct Status: Closed
Monthly Payment: $0
Date Open: Oct, 2002
Balance: $0
Terms: Unknown
High Balance: N/A
Limit: N/A
Past Due: $0
Remarks: N/A
Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default



Transunion:STUDENT LOAN GUARANTEE
Account Number: 449486XXXX
Acct Type: Installment account
Acct Status: Closed
Monthly Payment: $0
Date Open: Oct, 2002
Balance: $0
Terms: N/A
High Balance: $448
Limit: N/A
Past Due: $0
Remarks: Paid collection
Payment Status: Payment after charge off / collection


Experian:STUDENT LOAN GUARANTEE
Account Number: 349486XXXX
Acct Type: Education Loan
Acct Status: Closed
Monthly Payment: $0
Date Open: Oct, 2002
Balance: $0
Terms: Unknown
High Balance: N/A
Limit: N/A
Past Due: $0
Remarks: N/A
Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default


Transunion:STUDENT LOAN GUARANTEE
Account Number: 349486XXXX
Acct Type: Installment account
Acct Status: Closed
Monthly Payment: $0
Date Open: Oct, 2002
Balance: $0
Terms: N/A
High Balance: $448
Limit: N/A
Past Due: $0
Remarks: Paid collection
Payment Status: Payment after charge off / collection


Transunion:U S DEPARTMENT OF ED
Account Number: 494869XXXX
Acct Type: Installment account
Acct Status: Open
Monthly Payment: $9
Date Open: Aug, 2004
Balance: $1,072
Terms: 155 Months
High Balance: $1,087
Limit: N/A
Past Due: $0
Remarks: N/A
Payment Status: Paid or paying as agreed



Experian:U S DEPARTMENT OF ED
Account Number: 494869XXXX
Acct Type: Education Loan
Acct Status: Open
Monthly Payment: $0
Date Open: Aug, 2004
Balance: $1,072
Terms: 155 Months
High Balance: N/A
Limit: N/A
Past Due: $0
Remarks: N/A
Payment Status: Current


Equifax:U S DEPARTMENT OF ED
Account Number: 494869XXXX
Acct Type: Installment
Acct Status: Open
Monthly Payment: $9
Date Open: Aug, 2004
Balance: $1,072
Terms: N/A
High Balance: $1,087
Limit: N/A
Past Due: $0
Remarks: STUDENT LOAN
Payment Status: Pays account as agreed


Any suggestions / comments?
The would be greatly apperciated.

Many Thanks


D c/o K

You're sure it's only one loan? If she took a loan more than one semester, or took more than one tye of loan in a single semester, each loan is a separate entry. Looks like she consolidated two defaulted loans to me.

No, we've been over all the paperwork that we have at the house, and its ONE loan.

She had defaulted on it in the past, but I've been on her to get it paid off.

One of them actually shows correctly, that its being paid as agreed. The rest are just different "stages" of the loan.

;-/


She didn't consolidate any loans, and didn't get multiple loans.. We are 100% sure of this.

There is definately two loans involved with this report, more than likely one stafford broken down into two dispursement.

A single loan CAN report multiple times over history. Say you have a Direct Loan. It defaults. You then go to USDOE collection service. Second TL. Then you consolidate. You have a brand new loan with a new TL. 3rd trade line. All legal.

You can try to dispute these TLs through the CRAs. Sometimes you have luck, sometimes not. I was able to get all but one of my defaulted loans through WF deleted off all of the CRAs.

Some people aren't so lucky, but that's where I'd start. Good luck.