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  1. So I defaulted on a student loan years ago. It's listed on my CR about a few times, as AES/NCT, CItizen's Bank, etc. I settled with agency (Richard Boudreau) for half the amount as they agreed to post it as Paid in Full and I really wanted to get this in my rear-view. They sent me a letter saying that they would report it to the owner so I sent the cashier's check certified mail. However, this was over a month ago and I have yet to see a change in my CR. I also have not received the paid letter from the collector as I was promised. Any advice as to what I should do? I am really ignorant to all of this stuff. Also, any idea how to get the multiple negative tradelines removed? I removed the account numbers but they were the same on each listing. It looks like I have a handful of negatives on there. They're listed like this: Closed Accounts AES/NCT Account Type: Installment Account Number: (OMITTED) Payment Responsibility: Individual Date Opened: 11/2004 Balance Date: 11/2006 Balance Amount: $0 Monthly Payment: High/Limit: $9,392 Account Status: Late Over 120 Days Past Due Amount: $0 Comments: TRANSFERRED TO RECOVERY LAST REPORTED DELINQUENCIES: 10/2006=I5,09/2006=I5,08/2006=I5 _______________________________________________________________________________________ CHARTER ONE BANK, FSB Account Type: Installment Account Number: (OMITTED) Payment Responsibility: Undesignated Date Opened: 08/2007 Balance Date: 03/2009 Balance Amount: Monthly Payment: $0 High/Limit: Account Status: Collection Past Due Amount: $0 Comments: COLLECTION ACCOUNT CONTACT MEMBER FOR STATUS STUDENT LOAN ____________________________________________________________________________________________ NATIONAL COLLEGIATE TRUST Account Type: Installment Installment Installment Account Number: (OMITTED) (OMITTED) (OMITTED) Payment Responsibility: Individual Individual Individual Date Opened: 07/2007 07/2007 07/2007 Balance Date: 12/2008 12/2008 12/2008 Balance Amount: $0 $0 Monthly Payment: High/Limit: $10,711 $10,711 $10,711 Account Status: Collection Late Over 120 Days Late Over 120 Days Past Due Amount: $0 $0 $0 Comments: LAST REPORTED DELINQUENCIES: 11/2008=I5,10/2008=I5,09/2008=I5 TRANSFERRED TO RECOVERY CLAIM FILED WITH GOVERNMENT TRANSFERRED TO RECOVERY LAST REPORTED DELINQUENCIES: 11/2008=I5,10/2008=I5,09/2008=I5 ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE CLAIM FILED BY WITH GOVERNMENT FOR INSURED PORTION OF BALANCE ON LOAN LAST REPORTED DELINQUENCIES: 12/2008=I ,11/2008=I TRANSFERRED TO RECOVERY LAST PAID: 12/2008 Also, which is the date that it will be deleted 7 years after? Date opened or balance date? This loan is from somewhere around 2005-06