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Shellybean23

What to do with closed negative SLs?

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I have 6 student loans from Dept of Ed that defaulted in 2011. I rehabbed them in 2012 and Fedloan became the new servicer. These accounts are listed as closed with 0$ balance. Their status (on EQ) is listed as 120+ days past due. The "activity designator"(not sure what that means) says Transfer/sold. The DOFD listed on these accounts is 5/2011, 8/2011.

 

Does early exclusion still work for SLs? If not, can I still expect them to come off summer of 2018, at the 7 year mark?

 

I only have one late payment before the DOFD, and only on two accounts (Aug 2010) they pretty much went straight into default and collections. Is there a method for tackling closed negative SL accounts on here or do i just need to wait?

 

Also for two of those closed accounts I have a late payment reporting in Aug 2010. Could I request early exclusion for that specific late payment?

 

Thanks!

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Yes, you can get them off early. Check out the master obsolete dispute in the credit forum.

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