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Hello everyone, I am hoping to get some advice on what to do about my student loans. Like most people I didnt take my credit very seriously when I was young and messed up badly with my student loans but earlier this year decided to get my lfie right and fix my credit. One last hurdle is all my student loan lates and I'm wondering whats the best strategy if any to get these removed. I have disputed every way I can think of but cannot get anyone to budge. I have also tried goodwill letters to no avail. Heres what I done so far: Consolidated loans in 4/2014 which closed out loans in question. Am currently on IBR plan with nelnet and current with my payments Disputed accounts as being obsolete as most were opened in 2004 and 2006. Always comes back verified. My issue with this is I know I did not pay one red cent until 2014. I went to school from 2003 to 2007 then again from 2009 to 2011. I never made a payment and was never in default during my repayment periods. My NSLDS says I had deferments (pics attached) but I did not make any payments just went back to school. The reason this is a issue for me is simple. If I would have been decalred in default sometime in 2007/2008 like I should these tradelines would drop off next year. Since the earliest reporting for these TL's are 2012 that means these negative entries will remain until 2019! I feel there way of helping me out by deferring payments and or not reporting earlier lates will cause the negative items to remain on my report for 16 years. My question since its clear I went into repayment years ago in late 2006 and never paid anything just went to school shouldnt some date back then be the FCRA compliance date for these accounts. Or do the deferments reset the account by bringing it to good standing even if no payment is made? My interpretation of FCRA 605 is adverse info supposed to fall off after 7 years from when it happened not when the creditor decideds to report you for it. If anyone can tell me when these will fall off my reports or how to proceed with disputing I would be much grateful. I asked Sallie Mae for a complete payment history and copy of all deferments as well and they said theyre records only go back to 2009 when they got the loan and to contact my previous servicer which has gone out of business. Thank you guys for your help pics attached upload an image upload gambar