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About Iceberg71

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    Los Angeles, CA.
  1. Sorry, maybe I was unclear. What I meant was does anyone know if rehab is still an option now that RAB, an official collections agency, owns the loan?
  2. I defaulted on a student loan held by Texas Guaranty. Their website offers a rehabilitation program to improve my credit. However, I see from my credit report that the loan was sold to the Regional Adjustment Bureau about nine months ago. Will paying down the loan now that it is with RAB improve my credit score, or do I simply need to wait 7 years for this to fall off my report?