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Student loans


aka626
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I have two student loans with Nelnet that are currently showing as paid as agreed with no late payment history. Great Right !!!!

The problem is nelnet purchased the company my orginal student loans were from, EFS. EFS is showing me as 30 and 90 days late in 2001 and 2002.

Both Nelnet and EFS are listed on my CR. and I would like to delete the bad EFS tradelines.. I have disputed several times and they are always verified...

Any Ideas?

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its very easy to remove the whole TL which could drop your score... be careful, these may not be all that bad.

removing the bad TL is the idea since the successor/replacement/duplicate TL is all good - rmoving the old one won't negatively affect your score becuase your high credit amount and opening should be the same without the negatives.

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  • 1 year later...

Took a little break form the credit repair.. it was making me ill :)

I have since paid off in full my student loans to Nelnet. How can I go about removing those old tradelines?

I have disputed to Nelnet with no positive results and EFS is now owned by Nelnet.

Any ideas?

Can I DV nelnet for the EFS tradelines, if that makes any sense?

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