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When will this student loan will age off? Dola or Dofd?

RobertEG
Legendary Contributor

Re: When will this student loan will age off? Dola or Dofd?

No, they do not remain forever. 

Once the loan is paid, the normal 7 year exclusion provision under the FCRA applies as usual.

They can only remain past their "normal" exclusion provision under the FCRA while the loan remains unpaid.

 

Message 11 of 14
iowe
Regular Contributor

Re: When will this student loan will age off? Dola or Dofd?

Bumped just to say that these lates just aged off of EQ, TU, and EX all within the last month. Your estimate was on the money! 

 

My reports are all squeaky clean now. 

Starting Score: 564
Current Score: 722
Goal Score: 850 by 1/2022


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Gardening until forever.
Message 12 of 14
LaHossBoss
Valued Contributor

Re: When will this student loan will age off? Dola or Dofd?


@iowe wrote:

I have an old student loan through nelnet that was refinanced, but nelnet kept tagging me as late after they didn't hold the loan anymore. Smiley Frustrated

 

Anyway, I unsuccessfully tried disputing it. So I've been waiting for it to age off. Problem is, I'm not sure when that will be. I notice they tagged me again with a payment on time mark in march of the following year, I think just to jack me up a little more and make me have to wait longer. I never sent them any payments after the refinance. (Nelnet is the most incompetent and careless student loan servicer I've ever dealt with)

 

 

IMG_2940.jpg


Based off personal experience, the late will age off at 7 years from when it happened. The TL will age off at 10 years from DoLU. This is because it ended as a positive TL from the transfer. Once the lates are gone it will help more than hurt.

 

You will not find that info on CK. You need to pull your reports from each CRA on Annual Credit Report for that. Each could be different, too.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


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SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


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Message 13 of 14
RobertEG
Legendary Contributor

Re: When will this student loan will age off? Dola or Dofd?

They do not remain forever.

They remain until the loan is repaid, at which time they revert to their normal exclusion at 7 years from begin of the delinquency.

Message 14 of 14
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