Private Loan SOL Question Due to Deferment

[deansreturned]

Private Student Loan

Navient

Opened: 8/2007

Last Payment: 12/2011

Closed: 7/2018 (sold to anther lender)

Account Status: Transferred

 

Appears on Reports As

TransUnion: Current on 8/2017 then 90-119 days late on 9/2017. Last reported to TransUnion on 7/2018

Equifax: Account does not appear 

Experian: Account does not appear

 

Notes

-Loan has gone in and out of repayment due to full time college student deferment. 

-Other Navient Accounts appear on all 3 reports

-No 3rd party collection attempts have been made, nor has the debt been sold (no notification of this from new title holder.)

 

Questions

1) SOL is from last payment but how is in/out of deferment treated with relation to SOL? 

2) I assume as it's only reported on TransUnion and based on last reported date (7/2018), no collection attempts that it's SOL?

2) Should I dispute accounts directly via TransUnion?

 

[deansreturned]

Default Date COULD be 6/2017 (90-119 days late on 9/2017)

 

State SOL: 6 years