Hello, I am new to the site but have been reading posts for weeks. Due to my irresponsibility in my early 20â??s I have managed to get myself in poor standing with all of my student loans. I have taken steps to get these loans up to speed and paid off. Of course I wish I would have found this site prior to making some of my agreements. Now I am at the point where I need to try and get some TL removed. I have entered a rehab program with Dept of ED on 4 of these loans and hopefully this will remove those. But that still leave others to deal with. Any help I can get developing a course of action in chipping away at my bad TL would be greatly appreciated. I believe there is a duplicate and two loans that were consolidated and no longer exist. As well as Chargeoff I would like to try and remove. Please help me in getting my life of track. I am married now and have a good career. I want to stop avoiding my Credit Report and tackle it head on. Below is a list of my dept as it appears on Credit Report. Capital 1 CC Balance $0 / Opened 06.01.2000 / Reported 12.01.2000 / Closed / Current / 1 30day, 1 60day TU UNVL/CITI CC Balance $0 / Opened 3.05.96 / Reported 10.15.2004 / Closed (Paid) / Never Late TU,EX,EQ US DEP ED Student Loan Balance $0 / Opened 12.04.2001 / Reported 12.31.2004 / Derog / Chargeoff / Multiple 120days TU,EX,EQ I believe the next account and the previously listed are the same loan duplicated. US DEPT ED Student Loan Balance $8734 / 12.04.2001 / Reported 12.31.06 / Derog / Collection Chargeoff / TU, EX, EQ minor reporting differences. This loan is in Rehab until June The next two loans on the list were consolidated and make up the loan above. OFF OF STU FIN ASSISTA Student Loan / no balance listed / Opened 12.2000 / Reported 12.31.01 / Closed (Paid) / Collection Chargeoff / Only listed on EX OFF OF STU FIN ASSISTA Student Loan / no balance listed / Opened 12.2000 / Reported 12.31.01 / Closed (Paid) / Collection Chargeoff / Only listed on EX NELNET Student Loan / $0 balance / Opened 10.01.98/ Reported 12.02.2002 / Closed and Closed (Paid) / Current / Multiple 120dayâ??s / TU, EQ GVSU Student Loan / $832 balance / Opened 01.26.96 / Reported 01.02.2007 / Derog / Collection Chargeoff / TU, EQ / I am repaying this to the State of Michigan of course this updated the Reported Date! DEPT OF ED Student Loan / $767 balance / Opened 01.19.96 / Reported 12.31.06 / Derog / Collection Chargeoff / TU, EX, EQ / This loan is part of the Rehab until June MARQUETTE Student Loan / $293 balance / Opened 12.20.95 / Reported 12.31.06 / Derog / Collection Chargeoff / TU / Agreed to Pay-off with CA (Marquette would not deal with me). Of course I made first payment and they reported. They agreed to list as â??Paid in Fullâ? I am now just waiting for this to reflect of CR. US DEPT OF ED Student Loan / $1313 Balance / Opened 11.21.95 / Reported 12.31.2006 / Derog / Collection Chargeoff / TU, EX, EQ / Part of the Rehab that should get these removed in June. US DEPT OF ED Student Loan / $1312 Balance / Opened 9.27.95 / Reported 12.31.2006 / Derog / Collection Chargeoff / TU, EX, EQ / Part of the Rehab, remove in June. AFNI Cable Bill / $0 balance / Opened 12.2005 / Reported 01.15.2007 / Paid / EX / Listed under â??Accounts seriously past dueâ? on
