Second Sabii's question about rehab.
Honestly, if you just paid them off from default then they can stay on your credit report for up to 7 years.
If you did just pay them off from rehab, then I would recommend trying a goodwill writing campaign to get them removed.
As they're paid off, the HEA no longer applies to their reporting, so at least that one impediment has been taken from the equation.
I'm going to piggyback on this. So for my husband's 6k he owes we can rehab to have it fixed on credit and then just pay it off? Were looking to be in a new house before june so waiting 9months in rehab isnt going to help and I've been reading consolidation but we really just want to take out a personal loan and be done with it. Hes getting garnished now.
That's going to totally depends on the DOFD for the accounts.
When did he default?