New Member
jessica-spears
Posts: 9
Registered: ‎10-28-2012
Is Sallie Mae re-aging my debt? (Please help me analyze the data)
[ Edited ]

I'm trying to determine the Date of First Delinquency to figure out when the 7 1/2 period starts on a private student loan that is not government backed.  Looking at this trade line, they list my date of first delinquency on 12/2010.  I don't feel this is accurate and contradicts all other data presented.

 

The 81 month history shows 60 as far back as July 2006.  Just going off this data alone, shouldn't it be around this period without me having to provide proof for a date even further back than that?

 

 

 

 

 

 

There are old trade lines of some accounts they had closed out that show a last payment of 5/04, indicating collection on these accounts began back then.  They then closed all these accounts and opened new ones which I believe may be a way for them to re-age the accounts as well by altering the original numbers.

 

 

 

Thoughts?  I'm new to all this so could use some help in interpretting it.  Thank you so much!

 

 

 

 

Apparently there was an old post of them doing something similar to someone else (with no status update from the original poster on their results):

http://ficoforums.myfico.com/t5/Student-Loans/statute-limitation-private-student-loans/m-p/1361091/h...

 

 Found another example of them doing it to someone else (with no status update from the original poster on their results):

http://creditboards.com/forums/index.php?showtopic=467930