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Lexuschamp

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  1. Yes, its call IBR. Income Based Repayment which I am currently under as I have Federal Student Loan. However, the 10 year rule only applies if you are public service employee. Afte making 120 consecutive payments the reminder of the loans could be wipe out. I have about 8 and half years to go. The loans I had were private loans and the SOL had expired. Equifax still had these loans on my CR. I talked to a lawyer and they were charging me $500 just to start. With help from this site and others I sent a DV letter to Equifax and the rest is history.
  2. Newby here. I just wanted to share some good news with all of you. This will be a good new year after all. After sending a DV letter to Equifax in regards to a $45,000 private student loan from 1999 (USA FUNDS) I received a letter indicating the following: We have researched the credit acct # xxxxx. The results are: This item has been deleted from the credit file. If you have any questions about this item please contact: USA FUNDS at # xxxxxxxxx. I dont know why I would contact USA FUNDS if the item has been deleted. As soon as I received the letter I called the Mortgage Lender in the hopes of buying my first home....... Great news for the new year. Although this is my first post; I have read and armed myself with tons of information from this forum. I can not thank this forum enough. HAPPY NEW YEARS EVERYONE.
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