Chancy949 Posted September 25, 2004 Report Share Posted September 25, 2004 Ok pulled my experian report. They have my student loan from my Universty having opened in 1991 (just dated myself HUH! LOL)Date Opened:01/1991 Type: InstallmentReported Since: 07/1994 Terms: 120 MonthsDate of Status: 02/1999 Monthly Payment: $0 Last Reported: 02/1999 180 days as of 8-1998 to 11-1998150 days as of 7-1998120 days as of 6-199890 days as of 5-199860 days as of 4-199830 days as of 3-1998Experian says that this account could have a negative effect on my score. I've called the school and they don't have me in the system anymore and couldn't verify.This is an old trade line. Leave it? or dispute it? What if I dispute NEVER LATE?Is it worth more on or gone?Thanks! Link to comment Share on other sites More sharing options...
TakingNoMore Posted September 25, 2004 Report Share Posted September 25, 2004 Dispute it. All those negative lates are indeed affecting your score negatively. If the school says you are no longer in their system, it's worth a try. They shouldn't be able to verify anything if they don't know whether or not you were a student there. I am going through the same thing myself.Good luck! Link to comment Share on other sites More sharing options...
Chancy949 Posted September 26, 2004 Author Report Share Posted September 26, 2004 The school still has my record as graduating and know I was a student, but the loan was paid off back in '99. I called the bursers office to see about it and they didn't have me in the system. I think I will just report it never late. What do you think? I'd like to keep the TL for the history (length)I made the mistake of disputing two others as NOT MINE from this same school and they were deleted and my score dropped.If I dispute as never late and they can't verify will they delete it completely or just up date to never late? Link to comment Share on other sites More sharing options...
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