Nelnet and strange dates

[Anonymous]

I think I am missing something. I just looked closer at my Nelnet loans on Equifax. The Date of last payment on both is 8/2008. But the date of last activity on one is 08/2007 and the other is 03/2010. It doesn't give date of 1st delinquency. So how can I make a payment in 2007 but then the last activity be one year later or even 3 years later? I'm trying to figure out when they will no longer be on my report because of all the lates. The loans were transferred or sold to SAF in 2011.

[Sock]

I'd like to help, but there is something I want clarified:

When do YOU know that was when you first became delinquent? It almost sounds like you "know" you are delinquent but can't find that on your report. By golly, if you can't see it there, don't try to bring it out!

Nelnet is almost notorious for not regularly updating. I paid on time month after month, and my score never went up because they weren't updating my report. Then I submitted a dispute letter, and they updated almost a year's worth of payments- and my score went up overnight by almost 60 points.

But If I knew there was a 90-day late somewhere in the middle of all that, I wouldn't have disputed it for at least a few years (until it was old enough to not have such a huge impact on my score).

[Anonymous]

Well I haven't been delinquent since jan 2011 when SAF bought my loan. I know have have lots of lates with Nelnet when they had it. Like a whole years worth. I'm trying to figure out when they will come off.

[Sock]

See the last post (so far) on page 69:

http://ficoforums.myfico.com/t5/Student-Loans/Student-Loan-Rehabilitation-And-The-Effect-On-Tradelin...

[Anonymous]

Sounds like it'll be 7 years then because my was negative when it was sold/transferred. Thing is, the last payment date says 2008 for both. But date of last activity is 2007 on one and 2010 on the other. I thought the last payment date would be last activity as well. Does that make sense?

[Sock]

Does this help?

http://www.marketwatch.com/story/defining-last-activity-on-a-credit-report-2010-04-23

[Anonymous]

Yes! Thank you! That's exactly what I needed to know. I'm amazed at how much some of you on here know. It's all so confusing.