Should I ask Equifax to remove this account?

[keepwhattime]

This is showing as a closed negative account on Equifax, should I ask them to remove this?

SALLIE MAE

PO Box 9500
Wilkes Barre, PA-187739500
 

Account Number:	999635XXXXXXXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$4,241
Type of Account :	Installment	Credit Limit:
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	10/01/1995	Balance:	$0
Date Reported:	06/05/2014	Amount Past Due:
Date of Last Payment:	11/2005	Actual Payment Amount:	$0
Scheduled Payment Amount:	$0	Date of Last Activity:	09/2006
Date Major Delinquency First Reported:		Months Reviewed:	2
Creditor Classification:		Activity Designator:	Paid and Closed
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:	09/2006	Type of Loan:	Education Loan
Date of First Delinquency:	N/A
Comments:

81-Month Payment History

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Payment History Key

[vertekal]

I'd dispute it as being too old to report. I wonder why there's no DOFD listed?

[Kirmie2010]

I might be reading it wrong im tired

Is it showing as negative because of the lates?

I really might be reading it wrong but it looks like a loan that was paid off and has lates on it?  Its been 10 years, id ask to have it removed if its lowering the score.

Some of my closed accounts are listing over 10 years as well.  Except they dont have negative info so I dont mind em.

The more I re-read my post and your post I am confusing myself, almost time to go home.

*edit*
Is it keeping your AAoA up? or do you have other accounts from back then?

[Anonymous]

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@keepwhattime wrote:

This is showing as a closed negative account on Equifax, should I ask them to remove this?

SALLIE MAE

PO Box 9500
Wilkes Barre, PA-187739500
 

Account Number:	999635XXXXXXXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$4,241
Type of Account :	Installment	Credit Limit:
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	10/01/1995	Balance:	$0
Date Reported:	06/05/2014	Amount Past Due:
Date of Last Payment:	11/2005	Actual Payment Amount:	$0
Scheduled Payment Amount:	$0	Date of Last Activity:	09/2006
Date Major Delinquency First Reported:		Months Reviewed:	2
Creditor Classification:		Activity Designator:	Paid and Closed
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:	09/2006	Type of Loan:	Education Loan
Date of First Delinquency:	N/A
Comments:

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2014

*

*

*

*

*

2013

*

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2012

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Payment History Key

---

This makes no sense - if it was closed in '06, why is it showing a payment history with lates subsequent to the closure date? When was it ACTUALLY paid and closed?

[Anonymous]

That entry doesn't make any sense.

"Paid and closed"

"Pays as agreed"

Date of last payment: 11/2005

Date closed: 09/2006 (??)

180 days late in 07/2012 (???!)

Can you share some background to make sense of it?

[Anonymous]

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@keepwhattime wrote:

This is showing as a closed negative account on Equifax, should I ask them to remove this?

SALLIE MAE

PO Box 9500
Wilkes Barre, PA-187739500
 

Account Number:	999635XXXXXXXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$4,241
Type of Account :	Installment	Credit Limit:
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	10/01/1995	Balance:	$0
Date Reported:	06/05/2014	Amount Past Due:
Date of Last Payment:	11/2005	Actual Payment Amount:	$0
Scheduled Payment Amount:	$0	Date of Last Activity:	09/2006
Date Major Delinquency First Reported:		Months Reviewed:	2
Creditor Classification:		Activity Designator:	Paid and Closed
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:	09/2006	Type of Loan:	Education Loan
Date of First Delinquency:	N/A
Comments:

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2014

*

*

*

*

*

2013

*

*

*

*

*

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2012

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180

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2011

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Payment History Key

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Call them and ask, they will most likely say it will stay on until 2016. It is all messed up anyway so they might delete it. Looks like some bad reporting. 

[keepwhattime]

Hi everyone, thanks for responding. I am confused about this entry myself. Never got anything from anyone, I thought all my loans were paid years ago until I wanted to work on my credit and found this.

[gdale6]

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@keepwhattime wrote:

Hi everyone, thanks for responding. I am confused about this entry myself. Never got anything from anyone, I thought all my loans were paid years ago until I wanted to work on my credit and found this.

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The only thing derog about the account are the lates being reported in the payment history, I would send the creditor a direct dispute on those, if the payment history gets removed it a total positive account.

[keepwhattime]

Thanks gdale6 I will do that..

[Anonymous]

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@gdale6 wrote:

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@keepwhattime wrote:

Hi everyone, thanks for responding. I am confused about this entry myself. Never got anything from anyone, I thought all my loans were paid years ago until I wanted to work on my credit and found this.

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The only thing derog about the account are the lates being reported in the payment history, I would send the creditor a direct dispute on those, if the payment history gets removed it a total positive account.

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+1.

I wish I had not deleted some of my potentially positive accounts when starting credit repair :-)