Ok, I had 4 student loans with the DOE. I paid off all of them last February 05. It was listing in March 05 as CO and not paid until April.

I disputed as not late those days with Equifax. It came back updated keeping that 120 day AND adding 120 days late in September of last year on 3 of the timelines! Keep in mind this acct had been paid in full and closed the 3rd week of February 2005.

Any ideas as to my next step?

Your's is a prime reason why you never dispute student loan lates if you were in fact late....disputing will generally give them an opportunity to really show how late you were.

If you were CO, or charge off, sounds like you defaulted on the loan. 120 days late was the final status of the account and will stand.

Yes, I understand that. But they are reporting me 120 days late for September of 2005 when this loan was PIF in February of 2005 or 7 months earlier. There is no way I was 120 days late in Sept 2005. It even says Loan Closed, Paid (February 2005) right on the thing! I'm not talking about the status. I mean in the monthly boxes! It dropped my score 29 points.

Piggybacking on this thread to make sure I'm clear on the reporting piece.

My SL's are in rehab with a CA, but USAF is reporting them 120 days late for each month while I'm in rehab. Is that right?

So although I've been paying for months, I now have 7 over 120 days on my CR. I know this will get better once I complete rehab but in the mean time, should I leave the lates alone? Shouldn't they say in collections or something else.