I took out student loans from 1993-1996. Unfortunately for me I didn't make any payments until they went into default and my wages were being garnished. I then consolidated them all and have been making payments since. Today, I got copies of my credit reports. My question relates to how they are being reported. For instance, on Experian it's showing
Nelnet
Date Opened: August,1993
Date of Status: November, 1999
Last Payment Date: January, 1994
90+ days late: 9, starting 4/1999

OFF STU FIN AST/FLA
Date Opened: December, 1999
Date of Status: February, 2001
Last Payment Date: Not on Record

When does the 7 year period start and end?

These are only appearing on Experian, not Equifax or TransUnion.

By the way my scores are: Exp 647; Equ 652; TU 695

I'm guessing here, but it looks like the first entry is the original loan, which was transferred to the guarantor in 1999. I believe that they can report for seven years from that date.

The second one looks like the guarantor, which can report for seven years from the DOLA, again in 1999.

I think I understand that concept but the question remains, when should it be removed?

Sorry, I was thinking, I guess I was in too much of a hurry. Yes I see you are saying the 7 year period begins from 1999. But why then? I never made any payments after graduation in 1996.

Because that's when the original lender turned it over to the guarantor. It is at that time, for SLs that the DOLA is calculated.