Hate to bother you guys, but does anyone have DV letters to CRA's for student loans that went into default and have been paid?

Thank you all!

How were they paid after default? Did you complete rehabilitation of them? As far as I know, rehabilitation is the only way to remove the default status. Consolidation, although paying them off, does not release the default notation.

I paid through wage garnishment. Yep, very stupid of me. But my report, which I am in the process of disputing, states that they are open when they have been paid. Also, they are going on 7 years old since reported and they are still on.

Unfortunately, SL reporting dates are a little different (isn't that the case with everything with SLs, though!!). It's not 7 years from the date of last activity, or, in other words, the date of the first missed payment from which the account was never brought current. For SLs, it's 7 years from the date the guarantor paid the claim to the original lender, which could have been a long time after you stopped paying. Do you know when that date was, because that's the relevant date here.

I don't know anything about disputes, so I can't help you there, although I do think that it should say closed, but at best you're probably just looking at them changing to closed, $0 balance, paid through garnishment, rather than open, $0 balance, paid through garnishment. The key points are the $0 balance and the paid through garnishment parts anyway.

Hope this helps! Good luck!

Thank you very much! It appears as if I have some time then. It states that the State of NJ picked it up in March of 2001. Another two years. Although I think I may have some argument with the CRA's:

Equifax has my garnishment as zero payments, another one written off, one Wachovia as zero balance 120+ days late, and the other one written off and full balance.

Transunion has my garnishment as zero balance, but charged off.

Experian has Paid account/was a collection account, insurance claim or government claim or was terminated for default which I guess is okay?????

So I suppose that my only arguments are with TU and EQ?

There's a very real danger in disputing SLs. They most likely won't delete the information on TU and EQ (and I'm not even sure those are actually wrong -- you might want to do a search on that in this forum), but rather, at best, change them to look just like EX. You're right that EX is correct, but, you'll have to think about whether it's really "better" if all three of your reports have exactly the information that's now on EX -- I'm not sure that you'll answer that in the positive!!

I know the pain of default adding additional time than what you'd think from other debts -- I got an extra three years or so from what it would have been with other debts!!

Good luck!!