clkhome01 wrote:It's not...defaulted, but not showing on credit report. Is there another agency, where it could be posted? How long can it be on your credit report?
You can find a list of all of your loans and who is holding them at: www.nslds.ed.gov.
Although that is for federal and privately held federal loans. If you have taken out private loans and the private lender isn't remporting, that seems to be a fluke that is just working out in your favor right now. Although the gov't will let you rehab your loan and bring it out of default, erasing the baddies from your credit report. Private lenders will not.
Starting Score: TU 610 EQ FICO 635