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Yes, people have had luck getting derogatories removed before the legal maximum reporting period.
As to what people know, you'll have to give some more details -- who was the loan through, was it ever reported also as a collection, etc?
Student loans tend to be the toughest because publicly guaranteed loans (I believe) are required to report correct status.
@Anonymous wrote:
It was a private loan through Sallie Mae. I have had no success trying to remove it myself and disputing it goes nowhere. It was charged off, would I benefit from a credit recovery agency?
How have you been disputing?
Private student loan charge-offs are excluded based on the normal provisions of FCRA 605(c), which sets a period of no later than 7 years plus 180 days from the DOFD. If it has not net reached seven years, there is no basis for dispute of continued reporting of the charge-off in your credit report unless you show that the debt was either not yours or was not delinquent to the point where it was charged-off.
The only process for obtaining removal of a legit charge-off prior to its mandated exclusion date is to request a good-will deletion by the creditor. Chances of a voluntary deletion by the creditor are near nil if the debt remains unpaid. Is the loan now paid?