I POSTED NOT TOO LONG AGO ABOUT MULTIPLE SL'S REPORTING AS 120-180 DAYS LATE EVEN AFTER THE DATE OF CONSOLIDATION---WELL, AFTER REVIEWING OVER AND OVER AND OVER FOR ABOUT A MONTH, I DECIDED TO GIVE MY GUARANTY AGENCY A CALL TO DISCUSS...I TALKED TO 3 DIFFERENT PEOPLE AND TRIED TO EXPLAIN "HOW" IT WAS REPORTING TO EACH OF THEM...THEY DIDN'T BELIEVE ME OR SHALL I SAY THEY DIDN'T KNOW HOW IT COULD REPORT EACH MONTH AS 120-180 DAYS LATE IF IT WAS ALREADY PAID OFF AND THEY CONTINUED TO TELL ME THAT THE 120-180 DAYS LATE WAS JUST A "STATUS"...FINALLY, I SPOKE WITH THE DIRECTOR OF RECOVERIES...FAXED HIM COPIES OF MY REPORTS SHOWING STATUS I6(EQ) AND EACH MONTHLY NOTATION OF 180 DAY LATE ON EXPERIAN---AND ON TU, SOMEHOW IT WASN'T SHOWING ANY LATES AND HAD COMPLETELY DIFFERENT DATES OF LAST PAYMENT (2 YEARS OFF)...ANYWAY, THE DIRECTOR TOLD ME THAT HE COMPLETELY AGREED WITH ME AND THAT ALTHOUGH THE STATUS AT THE TIME OF PAYOFF WAS 180 DAYS LATE, THAT IS NOT A CORRECT REFLECTION OF THE CURRENT ACCOUNT STATUS AND THAT HE WOULD HAVE THEM DELETED ALTOGETHER! I WAS EXCITED, BUT SCARED THAT THEY WOULDN'T ACTUALLY BE DELETED AND ASKED HIM TO ATLEAST SEND ME AN EMAIL AND HE DID...GOT UP THIS MORNING...LOGGED INTO TC AND....THEY'RE GONE...ALL OF THEM!!! AND EACH CRA HAD ANYWHERE FROM 4-8 ACCOUNTS (DUPLICATES) WITH 120-180 DAY LATE PAYMENTS SHOWING OVER LAST 5 YEARS---MONTHLY---FOR THESE LOANS THAT WERE CONSOLIDATED IN 2003!!!(I ALSO CHECKED MYFICO, EXP (BACKDOOR), TU---JUST 'CAUSE I WAS SO SCARED TC WAS PLAYING JOKES ON ME)

SO, DON'T GIVE UP OR GET TOO FRUSTRATED, ALTHOUGH IT DOESN'T APPEAR TO BE A "TYPICAL" OCCURRENCE WITH STUDENT LOANS...THEY TOO CAN BE DELETED...ESPECIALLY WHEN THEY'RE REPORTING WRONG!!! THANKS TO CB, I NOW KNOW AND UNDERSTAND WHAT I AM READING ON MY CR'S!!! THIS IS AN AWESOME PLACE!!!