Ongoing credit monitoring
Track your FICO® Score & Identity
One-time credit reports
Be prepared for Important Transactions
How can we help you?
Monitor Credit & Identity
Get a Home Loan
Get a Credit Card
Get an Auto Loan
FICO® Ultimate 3B
3-Bureau FICO® Scores, Credit & Identity Monitoring
FICO® Essentials 1B
1-Bureau FICO® Scores & Credit Monitoring
FICO® Score 3B Report
3-Bureau Credit Report & FICO® Scores
FICO® Score 1B Report
1-Bureau Credit Report & FICO® Scores
Please forgive me if this has been asked a bazillion times. I tried to look through old threads but just became overwhelmed with trying to get through all the verbiage.
My loans went into default in 2008 and I was able to rehab out of them. I have some other student loans in good standing but I have closed trade lines that are as follows:
09/2004 to 06/2008 in good standing
07/2008 to 04/2009 in bad standings (90s/120s)
09/2007 to 08/2008 Good
09/2008 to 05/2009 Bad
07/2005 to 06/2008 Good
07/2008 to 04/2009 Bad
09/2005 to 06/2008 Good
How long should I expect to see these trade lines reporting?
My other student loans that show negative marks are slowly being aged off since they are still open - but I'm clueless if these closed trade lines follow the same 7.5 year rule as other items.
Thank you. Thank you. Thank you!
They do follow the same 7 to 7.5 year rule, although if they've been rehabbed you might try goodwilling the lender. It's a long shot, but you don't have anything to lose by trying.