I started paying back my student loans in '92. In Dec. of 95 I was unable to pay on the loans for two months. The 30-60-90 doesn't show up until 96. The loans were never turned over for collection but do show that they were sometimes 120 days late (after my divorce- food for the kids or student loans). Two years ago I refinanced my house and paid off all of my student loans. The two loans (Sallie Mae and Sun Tech) show up 7 times on my credit reports because of the different dates the money was disbursed really hurting my credit. I wrote the 3 credit bureaus asking them to take the loans off because they are now paid off and the first time I was late on them was over 7 years, Dec. 95, the initial missed payment leading to delinquency. Experian just sent me a credit report showing they were still on there. I called and asked why and they told me they go 7 years from the date of the last missed payment. I haven't heard from the others yet. Does anybody know when these should go off and what I can do? I would appreciate any help.
