Student Loan Confusing in Reporting to CRA

[Sobe420]

I had two student loans, which both went into Collections. To make a long story short and get to my question. After dealing with CA on them. Both CA said after 6 months of payments all Derogatory information would be removed from my CR.

Well, a year later one loan it paid off completly even shows 0 balance on CR, but still has 3 derogatory on my credit. The OC still reporting CO, and U.S. Department of Education still reporting derogarty but shows the 0 balance.

Second student loan is in perfect standing being paid monthly, which this shows on my CR as current. But stil have two derogatorys from that loan.

Anyone can help or offer any suggestions how to get this removed?

Of course stupid me did not get in writting from CA that they would remove all derogatory. The CA is not showing at all on the report, its just showing with the OC and reporting derogatory.

[Nascar3]

I don't think you will get them removed. I have tried almost everything. From my research so far I believe you just have to wait for the 7 years to be up.

[LynnInMN]

I had two student loans, which both went into Collections. To make a long story short and get to my question. After dealing with CA on them. Both CA said after 6 months of payments all Derogatory information would be removed from my CR.

Well, a year later one loan it paid off completly even shows 0 balance on CR, but still has 3 derogatory on my credit. The OC still reporting CO, and U.S. Department of Education still reporting derogarty but shows the 0 balance.

Second student loan is in perfect standing being paid monthly, which this shows on my CR as current. But stil have two derogatorys from that loan.

Anyone can help or offer any suggestions how to get this removed?

Of course stupid me did not get in writting from CA that they would remove all derogatory. The CA is not showing at all on the report, its just showing with the OC and reporting derogatory.

It sounds like the CA was talking about rehab but that takes 9 months of on time payments to qualify for. With rehab, the negative information is deleted for the guarantor but not the OC.

When you pay a loan off by payments like you have done, the tradelines remain for 7 years from the claim paid date, or the date that the guarantor paid off the OC. This is federal law.

[Sobe420]

OK it was rehab and all negaitve information was removed from the CA. But it still shows with the OC. So, a little confused here. What you are saying even though they are paid off it will still show as a collections account with the OC?

Second loan went to CA in CA for 3 months. CA dissapeared went back to OC which was the US Dept of Education. One account shows in perfect standing all the way back to the original date of the loan(which was 5 years ago) then same account number, same loan amount, and same lender shows on 2 CR as going to collections. How is that possible?