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I guess I'm just going to copy and paste my student loan data from my EX report. I got into trouble with student loans after attending a very expensive Tech school. I have about 26K total. I've had them in forberance for several years, but will start making payments again now. Is there anything I can do to get the 120 and 180 day lates off? and what does this mean?:
"By Oct 2018, this account is scheduled to go
to a positive status"
SALLIE MAE
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
11/2002
Reported Since:
11/2002
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$2,625
High Balance:
NA
Recent Balance:
$2,907 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Jul 2008 to Jan 2009, May
2006
150 days past due as of Mar 2012, Jun 2008, Apr 2006
120 days past due as of Feb 2012, May 2008, Mar 2006
90 days past due as of Jan 2012, Apr 2008, Feb 2006
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
05/2003
Reported Since:
05/2003
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$3,500
High Balance:
NA
Recent Balance:
$3,876 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Jul 2008 to Jan 2009, May
2006
150 days past due as of Mar 2012, Jun 2008, Apr 2006
120 days past due as of Feb 2012, May 2008, Mar 2006
90 days past due as of Jan 2012, Apr 2008, Feb 2006
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
01/2004
Reported Since:
01/2004
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$3,667
High Balance:
NA
Recent Balance:
$590 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Jul 2008 to Jan 2009, May
2006
150 days past due as of Mar 2012, Jun 2008, Apr 2006
120 days past due as of Feb 2012, May 2008, Mar 2006
90 days past due as of Jan 2012, Apr 2008, Feb 2006
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
01/2007
Reported Since:
01/2007
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$2,625
High Balance:
NA
Recent Balance:
$3,162 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Oct 2008 to Jan 2009
150 days past due as of Mar 2012, Sep 2008
120 days past due as of Feb 2012, Aug 2008
90 days past due as of Jan 2012, Jul 2008
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
01/2007
Reported Since:
01/2007
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$4,000
High Balance:
NA
Recent Balance:
$5,101 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Oct 2008 to Jan 2009
150 days past due as of Mar 2012, Sep 2008
120 days past due as of Feb 2012, Aug 2008
90 days past due as of Jan 2012, Jul 2008
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
04/2007
Reported Since:
04/2007
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$3,500
High Balance:
NA
Recent Balance:
$4,227 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Oct 2008 to Jan 2009
150 days past due as of Mar 2012, Sep 2008
120 days past due as of Feb 2012, Aug 2008
90 days past due as of Jan 2012, Jul 2008
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
04/2007
Reported Since:
04/2007
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$4,000
High Balance:
NA
Recent Balance:
$5,162 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Oct 2008 to Jan 2009
150 days past due as of Mar 2012, Sep 2008
120 days past due as of Feb 2012, Aug 2008
90 days past due as of Jan 2012, Jul 2008
SALLIE MAE
Status:
Open. Deferred, payments begin Dec 2012. Status Details: By Oct 2018, this account is scheduled to go
to a positive status.
Date Opened:
09/2007
Reported Since:
08/2007
Date of Status:
08/2012
Last Reported:
08/2012
Type:
Education
Terms:
120 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$1,000
High Balance:
NA
Recent Balance:
$1,268 as of 08/2012
Recent Payment:
$0
Payment History:
Account History:
180 days past due as of Apr 2012, Oct 2008 to Jan 2009
150 days past due as of Mar 2012, Sep 2008
120 days past due as of Feb 2012, Aug 2008
90 days past due as of Jan 2012, Jul 2008
Account will go back into positive status after 7 years since that is when the late payments will fall off due to age. The accounts will still be open.
You can call SM and ask if they will trade some forbearance for removing the recent lates. If you pay first, they probably won't apply the forbearance. You could just start paying and send GW letters.