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Older Defaulted TL

Established Member

Older Defaulted TL

Hello All,


Please forgive me if this has been asked a bazillion times. I tried to look through old threads but just became overwhelmed with trying to get through all the verbiage.


My loans went into default in 2008 and I was able to rehab out of them.  I have some other student loans in good standing but I have closed trade lines that are as follows:



09/2004 to 06/2008 in good standing

07/2008 to 04/2009 in bad standings (90s/120s)




09/2007 to 08/2008 Good

09/2008 to 05/2009 Bad




07/2005 to 06/2008 Good

07/2008 to 04/2009 Bad




09/2005 to 06/2008 Good

07/2008 to 04/2009 Bad



How long should I expect to see these trade lines reporting?


My other student loans that show negative marks are slowly being aged off since they are still open - but I'm clueless if these closed trade lines follow the same 7.5 year rule as other items.


Thank you. Thank you. Thank you!

Starting: 06.2013 - [EQ: 525] { TU/CK: 619 TU/WM: 614) [EX/CS: 583]
Current: 12.2013 - [EQ: 621] {TU/CK: 634 TU/WM: 637} [EX/CS: 610]
Goal: 750

Message 1 of 2
Established Contributor

Re: Older Defaulted TL

They do follow the same 7 to 7.5 year rule, although if they've been rehabbed you might try goodwilling the lender. It's a long shot, but you don't have anything to lose by trying.

Message 2 of 2