Can an expert please take a look at this?

[savings4tomorrow]

I have a questions about this account.  Background: this is a student loan that I defaulted.  The orginal loan was $3500, but with the fees and charges ended up being $4100.  It was paid off in 2011 or 2012.  Is this right?  Doesn't this look like two different loans?  Id this the way potential lenders look see it?   Thanks for any advice/suggestions.  (Sorry for the not so pretty copy/paste.  I just couldnt get it to look any better)

  

Aes/Phea  Status as of Oct, 2011 Date of last activity [?] Dec, 2008 Account number [?] XXXXXXXX Largest past balance [?] $4,010 Terms [?] (1 Month) Account Type [?] Installment Account holder [?] Individual Industry Other Descriptions [?] Student      loan assigned to government Paid      collection No contact information provided by Equifax	Balance [?]	Current Status [?]
$0	120+ days past due

Seven year payment history [?]

30 days late	0 times
60 days late	0 times
90+ days late

\\                                                                   Brazhiedau	XXXXXXXXXXXXXxxx	9/2006	$0	120+ days past due		Details
Status as of	Dec, 2009
Date opened [?]	Sep, 2006
Date of last activity [?]	Dec, 2008
Account number [?]	XXXXXXXXXXXXX0003
Largest past balance [?]	$3,500
Account Type [?]	Installment
Account holder [?]	Individual
Industry	Other

Descriptions [?]

• Student loan assigned to government

No contact information provided by Equifax

     

Balance [?]

Current Status [?]

$0	120+ days past due

Seven year payment history [?]

30 days late	0 times
60 days late	2 times (Feb 2009, Feb 2008)
90+ days late	16 times (Nov 2009, Oct 2009, Sep 2009, Aug 2009, Jul 2009,   Jun 2009, May 2009, Apr 2009, Mar 2009, Sep 2008, Aug 2008, Jul 2008, Jun   2008, May 2008, Apr 2008, Mar 2008)

Recent payment history [?]

12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11
2007	2008	2009

Legend:	Currently paid as agreed
	60 days late	90 days late
	120 days late

Worst Delinquency [?]

120+ days past due

XXXXXXXXxxx

Not on Record

$0

120+ days past due

Details

[gdale6]

Its my understanding that defaulted SLs report twice, Im not an expert on SL but if there is a problem with the way it is reporting or you did not have all the lates they say you did then you can dispute it. A word of caution since it has not reported in awhile it could end up dropping your score if you dispute it as the reporting date would come current.