02/1996 open 2 student loans

derogatory as no payments ever made

07/2000

Ciitbank lies to me saying if I consolidate they will remove negative marks on credit files
I fell for it

no they didn't and no payments ever made

(loan discharged for disability application in since 99)

anyways, Citibank sent it to NYSHESC who reported it derogatory for a few years

so 4 negative tradelines 2 for Citi and 2 for NYSHESC

then Ombudsman involved and had the paperwork pushed thru and loan DISCHARGED

Question, since Original Date of Delinquency/ Date of Last Activity was when I opened the account.....

when does it come off my file? - w/ the original creditor, Citibank
7/2007 is 7 years from DLA