Long story short, I have a bunch of loans from Sallie Mae. The one in question is a $6600 Signature private loan that's on my Experian report three times. Two of them are "closed/transferred" and stopped reporting in 2003, and the other one is current and completely correct. I electronically disputed the two closed ones as "duplicate" with the reasoning that it would lower the "total" installment balance on my credit report and not make it look like I borrowed an extra $13,200.

Hope I don't anger Sallie Mae. They're reporting perfectly on everything else. I was just cleaning up the ol' report.

I fail to see the reasoning here. The cloased/xferred means 0 balance.

Are you saying you didn't have any outstanding SLMA loans at that time? If you paid them of or refinanced them it would appear the reporting is correct and actually positive.

I am having a hard time figuring our how you think disputing this will benefit you.

I would have left it alone. Nothing wrong with an old, positive TL

If they do get deleted, you might actually lose points due to age depending on what else is on your report.