topic when will this item be removed? in General Credit Topics

when will this item be removed?

aot2009 — Sun, 15 Aug 2010 16:55:36 GMT

If I wait until the time alloted for removal when exactly would this item get removed or be in the 7 year term ? I see it was opened in 2000 but I'm not sure which field it's determined on.

SALLIE MAE

Address:
11100 USA PKWY
FISHERS, IN 46037
(888) 272-5543

Account Number:
***********....

Address Identification Number:
******************

Status: Paid,Closed.

Status Details:
This item was verified and updated on Oct 2007.

Date Opened:
10/2000

Reported Since:
12/2000

Date of Status:
05/2006

Last Reported:
05/2006

Type:
Installment

Terms:
120 Months

Monthly Payment:
$0

Responsibility:
Individual

Credit Limit/Original Amount:
$1,750

High Balance:
NA

Recent Balance:
NA

Recent Payment:
NA

Your Statement:
Y ITEM DISPUTED BY CONSUMER

Account History:
180 days past due as of Nov 2005
150 days past due as of Oct 2005
120 days past due as of Sep 2005
90 days past due as of Aug 2005

Re: when will this item be removed?

Anonymous — Sun, 15 Aug 2010 17:02:59 GMT

Was this ever charged off? .. doesn't look it...

Re: when will this item be removed?

aot2009 — Sun, 15 Aug 2010 17:20:11 GMT

No I opened a loan in 2007 and paid it off with a new loan which I've never been late. I tried to tell Sallie mae at that time I was in forbearance but they just say they had nothing on file, so it's been a battle to get this resolved.

Re: when will this item be removed?

MarineVietVet — Sun, 15 Aug 2010 18:41:36 GMT

If it was never CO'd the late payments will drop off 7 years from each individual date of delinquency. Working backwards it looks like the first late payment was in June, 2005 which means they will start dropping off in June, 2012.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work