Hello, I had some federal student loans with citibank that were in default. The loans were transferred or sold to another lender without me knowing. They were either bought or sold to new york higher ed. They again went into default because I had no idea this happened. Then I consolidated with direct loans, and are in good repayment status. The problem is that the loan with citibank is listed on my report as paid chargoff. So this is why I wrote the goodwill to have it removed. The letter they wrote back said they were unable to delete the record, but they did say that they could have the default reporting removed if I have completed my rehabilitation program with the guarantor of my loan. They said they need a letter from the guarantor saying I have completed the rehabilitation program. Well I never really started any rehab program, when my loans were consolidated from New york state to the direct loan program, I basically started with a clean slate. I have no idea who the guarantor of my loan would be. would that be the fed govt since the loans were fed backed? Any help would be appreciated, thanks in advance.
