Hi everyone,
I am not getting many responses in the Rebuilding Your Credit forum so thought I should try here. I have a small student loan left over from 1998 that I have a mostly good history with. There were 3 instances that I went over 60 days (the most recent was in 2006). The account is only reported more than once on my EQ. Also, the correct account is the only one showing up-to-date activity. The two other reportings show their most current update from 2001 and 2004. Since most of the history is good, and it is my oldest account should I leave the 2 extra reportings alone or dispute them?
The following is all of the information about the student loan on the CBRs. 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 :
Lender Afsa/Brazo
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
Balance Current Status Past Due Amount
$1,292 Pays account as agreed Not Reported
Seven year payment history
30 days late 0 times
60 days late 3 times (Dec 2006, Jun 2006, Jan 2006)
90+ days late 0 times
double report (1) :
Lender Brazos
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
Descriptions
- Student loan - payment deferred
No contact information provided by Equifax
Balance Current Status Past Due Amount
$2,398 Pays account as agreed $0
Seven year payment history
30 days late 0 times
60 days late 1 time (Jun 2002)
90+ days late 0 times
double report (2) :
Lender Nat Bk
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
Descriptions
None on Record
No contact information provided by Equifax
Balance Current Status Past Due Amount
Not Reported Pays account as agreed Not Reported
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Thanks for your time.
