I had 7 student loans that defaulted and ended up in a judgment in 2008. The defaulted student loans occurred in 2003 and all but two have been removed from my CR due to DOFD from October/November of 2010. In December of 2009 I entered a settlement arrangement with the law firm holding my judgment to pay off the judgment in one year if no interest was charge. I was successful in completing this November of 2010. February of 2011 my judgment was listed as satisfied with the courts.
While the lawfirm was applying payments to the student loans they only did so to two of them. The loan owners Citigroup began reporting the payments however each month the DOFD changed to the month after a payment was made. So now my DOFD for each account is 7/2010 and 10/2010 respectively. Is it possible for me to get the original DOFD (the one in which was used to delete the other 5 accounts) to be effective? I am only having this with Equifax both Transunion and Experian deleted the tradelines upon the passing of the 7 year mark.
I am desperate to have these tradelines removed becausemy scores have already experienced 7 years of negativity due to them being late so I would hate to suffer through another 7 years for doing whats right by paying them off and restarting the DOFD.
Please share any tips on how to proceed because I am trying to purchase a home and the re-aging of this account is killing my score.
Starting Scores (7/26/2010): EQ 517; TU 508; EX 527 (lender)
Scores Along the Way (11/4/2010): EQ 542; TU 547; (11/8/2010) EX Plus 641
Scores Along the Way: (4/15/2011): EQ 516; TU 622; EX 585 (lender)
Scores Along the Way: (8/25/2011): EQ 617; TU 627; EX 625 (lender)
Scores Along the Way: (11/28/2011): EQ 617; TU 645; EX 667 (lender)
Current Scores: (8/9/2013): EQ 634; TU 662; EX 694 (lender)
Closed on a Home: 12/30/2011 Goal Scores (8/25/2014): 700 club
