How do you recommend getting this off my credit?

[CostantinoA]

 Hello, does anyone have any recommendations how to get this off my credit?

Address:  61 FORSYTH ST SW STE 19T40   ATLANTA, GA 30303  (404) 974-9490	Account Number: 871....
Status: Paid, Closed.
Date Opened: 08/2010 Date of Status: 06/2013 Reported Since: 06/2013 Last Reported Date: 06/2013	Type: Education Terms: 36 Months  Monthly Payment: $0 Responsibility: Individual	Credit Limit: $400 High Balance: N/A  Recent Balance: N/A Recent Payment: N/A
Comment: Student loan permanently assigned to government.

[Anonymous]

Just a heads up I would take down your address and phone number.

[CostantinoA]

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@Anonymous wrote:
Just a heads up I would take down your address and phone number.

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That is the address and phone number of the creditor not me!

[RobertEG]

Once you have paid a government student loan, it becomes subject to the normal credit report exclusion provisions for derogs reported under the acount, such as exclusion of monthly delinquencies no later than 7 years from their dates of occurence, and exclusion of any reported charge-off or collection no later than 7 years plus 180 days from the DOFD.

You can, if you seek removal prior to the FCRA exclusion dates, request the credtior report deletion of the derogs or of the account to the CRAs.

However, the mandatory reporting requirments imposed under the Higher Education Act for government student loans will normally be basis for denail of most creditors of their voluntary reporting of deletions.  You will likely need to wait for expiration of the normal credit report exclusion provisions under FCRA 605(a).

Send the creditor a request for their voluntary good-will deletion, but expect denial if the derogs were reported on a government student loan.