Established Member
Posts: 24
Registered: ‎05-15-2013

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

Established Contributor
Posts: 640
Registered: ‎11-20-2012

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.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+