Please help me figure DOFD and when I can dispute these as aged off

[inthematrix]

I have a bunch of student loans that went into default several years ago. They've all since been rehabilitated and I pay them every month like clockwork. Through a LOT of persistence (ie, making a pest of myself), I actually managed to get Sallie Mae to remove all of the lates from their loans but I was never able to get KHEAA to budge, so I've been waiting those out. KHEAA told me at the time they were due to come off in the fall of 2014, but looking at my credit report, it seems they should be aging off sooner than that.

 

Here are the dates for the 4 KHEAA loans:

 

Date updated: 08/07/2012

Last Payment made: 10/24/2006

Date Closed: 10/31/2007

>Maximum Delinquency of 120 days in 03/2007 and in 08/2007 for $358<

 

They all show last payment made in October 2006, a 60 day late notation for Jan 2007 and 120 for Feb 2007 through Oct 2007 when the account was closed. Wouldn't that make Jan 2007 my DOFD and Jan 2014 the date they should age off? Instead it seems KHEAA was using 7 years past the closed date for when they should come off.

 

Anyone know which would be correct? I'm wondering how soon I can start hounding the CRAs to remove these as obsolete.

 

Thanks in advance.

[Analysis]

It might make sense to post these student loan collections in the student loan forum.

[inthematrix]

I would except that this isn't really related to anything specific to student loans. It's just the DOFD and when it should drop off. It could be any negative item, really. They just happen to be student loans in this case.

[inthematrix]

Anyone have an idea?

Edited September 15, 2013 by inthematrix

[FreeaAndClear]

I believe Student Loans have different rules. I think it's 7 years from default but i could be wrong. Best to check in the Student Loan forum.

[mountainmommy]

It's normally from the time the account went delinquent and was never brought current. This might be as early as November?

 

But I don't know if the rules are different for student loans.

 

I've had good success recently disputing obsolete on TU for accounts due to fall off in March 2014 (deleted overnight!)

 

Equifax held on to the very end for some due to come off this month (I disputed 2 months ago, they verified, then removed this month.) Haven't even bothered with the spring dates.

 

Experian is still in dispute for the spring dates.

 

So I would try with Transunion first and if they come off easy there then try the other 2.

[inthematrix]

Thanks for the info, guys. I'll start with TU and see what happens.