I have one Perkins loan which is in repayment, but it's showing up three different ways on the big three.

TU: Balance is still the original balance and no lates; remarks say: "[TransUnion] Student loan not in repayment"

EX: Correct balance and showing a 90 day late from May '04; remarks say: "Experian] Student loan - payment deferred. "

EQ: Correct balance, no lates; remarks say: " [Equifax] Student loan - payment deferred "



The fact I still have a full balance due but no lates with TU I can live with. How EQ is reporting is perfect.

I'd like to clear the late from my EX, but I'm afraid sending the goodwill letter and having it denied will trigger them to change it on my other two. The remaining balance is so low that I could pay the loan off - but with the low interest rate, why not hold off?

Any suggestions?

You say EQ is "reporting perfect". Does this mean that it is 100% correct, or rather that EQ is reporting the way you *want* it to show?

The million dollar question: were you ever actually 90 days late? If yes, then I would recommend letting it go because you'll probably end up with lates showing on all 3 reports. If in fact you were never late, then by all means dispute it as incorrect.