How 7+ Years Late Payments Fall Off Report?

[shane82388]

---

@RobertEG wrote:

If your student loan was government insured or guaranteed, delinquencies are not excluded after 7 years.

The Higher Education Act, extended the excludion period for such delinquencies if the debt remains unpaid.

See the footnote appended to FCRA 605(a) for the relevant citation to the Higher Education Act.

---

The student load is still being paid until this day...it was never charged off...I've never had charge off on anything, only late payments...

So it should still be gone after exactly 7 years, right?

[Anonymous]

---

@RobertEG wrote:

If your student loan was government insured or guaranteed, delinquencies are not excluded after 7 years.

The Higher Education Act, extended the excludion period for such delinquencies if the debt remains unpaid.

See the footnote appended to FCRA 605(a) for the relevant citation to the Higher Education Act.

---

Just to clarify here - does that mean "delinquent and unpaid" accounts only or does the extended exclusion apply to "paying as agreed" accounts as well?