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Need help on Nelnet - not reporting accurately


matlock99
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Hello there. I was hoping someone could offer me some direction on five Nelnet TLs that are currently on my credit reports.

I had five negative ISAC TLs and five negative Nelnet TLs related to some defaulted student loans that I paid ISAC for in March 2006. After two goodwill letters, ISAC eventually deleted the TLs (I think I got someone on a good day, plus, their counselor had given me some bad information on rehabilitation v. settlement). I've written one goodwill letter to Nelnet, and they refuse to delete.

I've read up on this board and it looks like you're basically out of luck in trying to get Nelnet to delete anything. However, I don't think they've reported the situation with my loans accurately. Here's how they stand:

TU: Five chargeoffs, last reported June '06 (paid collection)

EX: Five chargeoffs, last reported July '06 (account seriously past due)

EQ: Five 120 day late payments, last reported May '07 (paid collection)

The EX entries are listed as Closed (Paid), and the TU and EQ entries are listed as Derogatory. This is through TrueCredit.

Again, my obligation to these debts was completely taken care of in March '06 through ISAC. They'd assigned the loans back by this point.

Assuming that a goodwill to delete is not going to get me anywhere, what's my best course of action in getting my TLs dated back to March '06 at the latest? Also, should I be grateful that EQ shows late payments and not chargeoffs, or should I ask them to correct?

Thanks very much in advance for your help.

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