NYST HGHR ED

Account Name: NYST HGHR ED
Account Number: XXXXXXXXX
Account Type: Installment account
Type of Business: Government
Terms: Not reported
Account Status: Open
Monthly Payment: $0
Date Open: May, 1997
Balance: $0
Balance Date: Apr 1, 1999
High Balance: $4,500
Credit Limit/Orig. Amt. $4,500
Past Due: $0
Remarks: Debt being paid through insurance
Payment Status: Unrated or bankruptcy


SM SERVICING

Account Name: SM SERVICING
Account Number: XXXXXXX
Account Type: Installment account
Type of Business: Banks and S&Ls
Terms: Monthly
Account Status: Open
Monthly Payment: $24
Date Open: Oct, 1996
Balance: $0
Balance Date: Sep 1, 1997
High Balance: $2,000
Credit Limit/Orig. Amt. $2,000
Past Due: $0
Remarks: Transferred to another lender
Payment Status: Unrated or bankruptcy


SM SERVICING

Account Name: SM SERVICING
Account Number: XXXXXX
Account Type: Installment account
Type of Business: Banks and S&Ls
Terms: Monthly
Account Status: Open
Monthly Payment: $25
Date Open: Oct, 1996
Balance: $0
Balance Date: Sep 1, 1997
High Balance: $2,500
Credit Limit/Orig. Amt. $2,500
Past Due: $0
Remarks: Transferred to another lender
Payment Status: Unrated or bankruptcy

Hi
Have a few questions re: above TLs... First these are from schooling in 1992-94.. Worked after graduation and was permanently disabled as of 5/96.. Applied for and received forgiveness of loans shortly after..
Questions... These TLs are currently on CR Can they be removed? Obsolete?
Since they have been forgiven can they ever be reinstated? I would like to possibly take an online course Will that effect anything?
Thanks for all your help...

bump

Would really appreciate an opinion/input from one of the mods.
Thanks

You can try; I don't think they're hurting you though. The only way to find out is to dispute them.

The clue to my thinking they're not hurting you is that if they were considered a negative TL, they should have dropped off in 2004. If you do manage to get them off your CR, you may experience a score drop due to loss of age.

TxQuiltGirl
Thank you for responding. So you think I should leave them then? I just don't like the referrence to bankruptcy which is totally false.... and the fact it says paid by insurance on one

What it actually says is "unrated or bankruptcy" ... it doesn't say it was IIB. These TLs probably don't figure prominently into your FICO scores. Like I said, you can give it a try; what the outcome will be is anybody's guess, really.

TxQuiltGirl
Once again thank you for your response. I really appreciate it. I guess its a catch 22 as to whether or not to try to have them removed. I just didnt like that info being on the CR. I also wasnt clear on whether or not they were hurting me. Your answers have cleared that up. Again thanks...