just paid off my defaulted student loan through William D. Ford consolidation to the tune of (*gasp*) $42,000. On my report, it shows that the Original Creditor is USA Funds and the guarantor is Sallie Mae. My Experian report already shows the William Ford loan (and in good standing) but it still shows the USA funds as charged off/included in Chap.13 bankruptcy on all three reports. (Chap3 13 was discharged on 12/2003 and shows as such on all my reports). I called Sallie Mae, and they told me the loan was paid off on 1/26/2004 and that they send the report to the 3 bureau's on the first of the month (which would be 2/01/2004). Sallie Mae also told me that the status of the USA Funds loan will show paid in full- late. When I logged on to creditexpert and privacy guard, the most recent report date is 1/27/2004- one day after my supposed payoff to Sallie Mae (USA Funds). Should I wait until the end of the month and see if they deleted the USA Funds entries (since they are paid off?) or should I fill out a credit dispute form explaining what happened? Also, since my Chap. 13 was discharged on 12/2003, can I also have my revolving credit card debts that were included in the bankruptcy deleted as well? Thanks in advance for helping a newbie.
