30 day lates

[Anonymous]

In July 2002, I was 30 days late paying five student loans with Citibank.  The accounts were brought current and were in good standing when the loan was consolidated several years later.  Will those 30 day late payments fall off after 7 or 7 1/2 years or am I stuck with them for 10 years?  I have already tried a GW letter to Citibank, but haven't gotten any response. 

Thanks.

[JoeBJay20]

All negative information stops reporting after 7-7.5 years, so those lates should be falling off shortly. 

[RobertEG]

Delinquencies on the OC account drop at 7 years.

The 7 1/2 dropoff date does not pertain to OC account delinquencies.  It refers to the drop of an CO or CA account.

However, the FCRA includes the following footnote for student loans, and you should check out the cited statutes for any exceptions:

"The reporting periods have been lengthened for certain adverse information pertaining to U.S. Government insured or guaranteed student loans, or pertaining to national direct student loans.  See sections 430A(f) and 463(c)(3) of the Higher Education Act of 1965, 20 U.S.C. 1080 a(f) and 20 U..S.C. 1087 cc(c)(3), respectively."