I had four student loans. In Nov 2004 I was scheduled to start paying them back. I was laid off in July 2005. I hadnt known about rehabbing or forebearance back then. One day they called, and they offered me consolidation. So I did it thinking it was the only option. So I did it. Mind you on my CR it was still marking lates from 11/04 to 3/05.

Up until today my TC showed these lates from EX and EQ as red and orange at the very end of the account. In April 2007 This is what TC showed...

Note another account looked exactly the same but it used to say closed(transfered)


Today it shows as this...

They also all say Closed(Paid) now.

I disputed the accounts last week. TC on EQ details says Updated 9/07. Does this help my scores in any way?

I guess noone has had this experience before. As of right now it hasnt done anything for me. I havent seen any updates from MYFICO yet in SW. But they usually take a while to give me updates.