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  1. I've been going through this saga of trying to clean up my credit report and many thanks for the responses I have gotten. So there are a few tradelines on my credit reports regarding one student loan that I had defaulted on. Going back through my school records, I took it out in the period ending June of 2005. If I never paid that one (just took care of it a few months ago because I know they can sue for that forever) would it most likely be past the 7 year reporting period at this point? It is reported a few times under AES/NCT, National Collegiate Trust, and Citizen's Bank. They all list different dates, 2007, 2008, etc. However, from what I have read, if I originally defaulted on it in or around the middle of 2005 wouldn't ALL of the tradelines related to it be invalid at this time? Thank you for clarification on this.