http://ficoforums.myfico.com/t5/Student-Loans/Student-Loans/m-p/277942#M741 <div>Back in 2003 I had just finished medical school and I was starting residency and with the transition of going from one part of life to another as well as moving I dropped the ball on deferring my student loans.  It was in March of 2003 and I lost track of things and I have a 90 day late mark against me.  I believe the SOL is 5 years for IL and 6 years for NY which would mean that they will stay on for another 6 months correct?  Also, is it even worth my time to send a Goodwill letter asking them to remove the mark.  I have since consolidated my loans so they are with another lender and have been since October of 2004.</div> Tue, 01 Jul 2008 01:09:28 GMT patsfan75 2008-07-01T01:09:28Z http://ficoforums.myfico.com/t5/Student-Loans/Student-Loans/m-p/277942#M741 <div>Back in 2003 I had just finished medical school and I was starting residency and with the transition of going from one part of life to another as well as moving I dropped the ball on deferring my student loans.  It was in March of 2003 and I lost track of things and I have a 90 day late mark against me.  I believe the SOL is 5 years for IL and 6 years for NY which would mean that they will stay on for another 6 months correct?  Also, is it even worth my time to send a Goodwill letter asking them to remove the mark.  I have since consolidated my loans so they are with another lender and have been since October of 2004.</div> Tue, 01 Jul 2008 01:09:28 GMT http://ficoforums.myfico.com/t5/Student-Loans/Student-Loans/m-p/277942#M741 patsfan75 2008-07-01T01:09:28Z http://ficoforums.myfico.com/t5/Student-Loans/Student-Loans/m-p/277980#M745 AFAIK, lates remain on your CR, regardless of state residency, for 7 years.<br><br>From what I've read here, <b>paid collections</b> remain on your CRs in NY for 5 years. Tue, 01 Jul 2008 01:51:50 GMT http://ficoforums.myfico.com/t5/Student-Loans/Student-Loans/m-p/277980#M745 Wonderin 2008-07-01T01:51:50Z