I have a total of 16 loans, as some of you may have already heard me say before. I entered rehabilitation a few months ago for two lenders, AES and Sallie Mae. My rehab program is set to finalize in February for both lenders.

Now, I know that some TL's will update to show current, good status w/ "paying as agreed" once rehabilitation is successfully completed. I am also under the impression that other TL's will stay on my reports until they fall off, not changing status and infact staying as negative TL's. The problem I am having in trying to figure this out is understanding exactly which one's will fall off of my reports and which will update?

As you can see below, AES is reporting 33 TL's. This is why I am confused with my AES TL's. I was subjected to the 15% pay garnishment in '07, so I am unsure if this has anything to do with any of these TL's. They are also split a certain way between CR's and with these Dates Opened, I am completely confused. Can someone please let me know which will update and which will be left to stay of these TL's?

AES - 11 TL's - Date Opened: 12/07 (all 11) (Reporting only on EX & TU)
AES/BRAZOS - 11 TL's - Date Opened: 11/00 --> 6/04 (Reporting on all 3 CRA's)
AES/PHEAA - 11 TL's - Date Opened: 1/01 (all 11) (Reporting only on EQ)

Now Sallie Mae is a different story. I know that my 5 TL's for Sallie Mae were on there first. After I entered rehab, USA Funds had appeared on my reports (states defaulted). So, of these, which will remain until the 7yr mark and which will fall off?

Sallie Mae - 5 TL's - Date Opened: 05 & 06
USA Funds - 5 TL's - Date Opened: 05 & 06 (just started to report as I am in rehab paying their CA)

I know that Saria is always telling me, but I am not understanding my reports at all as the dates are odd and just the mere fact that over a total of 45 TL's for these lenders is hard to look at.

I would guess that the AES, AES/PHEAA, and USA Funds TLs will be deleted. Those look like the guarantor TLs to me. Hopefully Lynn will chime in on this one since she always seems so good at recognizing guarantor names and TLs.

Thx for your reply again Saria!

So AES/BRAZOS and Sallie Mae TL's will stay no there and will update? or not? If not, from what date will they fall since I have deferred them and whatnot?

Again I appreciate your replies Saria. As always, you are extremely helpful. I only posted this similar thread over in Credit Forum because there are always more viewers there and I just wasn't sure the next time you'd drop by this forum. Thanks again!

When you rehab a loan, the TL from the original lender remains. It's not updated, as that account was essentially closed when the guarantor paid them upon default. Lender TLs fall off 7 years from the time the guarantor paid the claim, right around the time of default.