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The following is all of the information about the student loan on the CBR. I believe my original lender was bought out at one point by another company and that may account for at least one of the extra reportings.
Legitimate account :
Status as of Aug, 2008
Date opened Feb, 1998
Date of last activity Aug, 2008
Date closed Not Reported
Account number XXXXXXX6481
Loan type Not Reported
Largest past balance $2,694
Terms Not Reported
Account Type Installment
Account holder Individual
Scheduled payment amount $50
No contact information provided by Equifax
double report (1) :
Status as of Jun, 2004
Date opened Feb, 1998
Date of last activity Jul, 2003
Date closed Not Reported
Account number XXXXXXX6481
Loan type Not Reported
Largest past balance $2,507
Terms Not Reported
Account Type Installment
Account holder Individual
Scheduled payment amount $50
No contact information provided by Equifax
double report (2) :
Status as of May, 2001
Date opened Feb, 1998
Date of last activity Jan, 2000
Date closed Not Reported
Account number XXXXXXX6481
Loan type Not Reported
Largest past balance $2,221
Terms Not Reported
Account Type Installment
Account holder Individual
Scheduled payment amount $50
No contact information provided by Equifax
If you look at the dates for the lates that they've reported, it seems like it may not actually be a mistaken double reporting. I have severl SL on my CR and the account numbers are all virtually identical. However, they put a new entry onto my account every time they send a check to my school.
The second and third accounts listed probably should be left alone, since they are in good standing, and may help your history. You might want to try and send a GW letter to get them to drop you lates for you.