I applied for and received a couple of small federal student loans back in 2008. One for $1750, another for $2000, both through Wells Fargo. I dropped out of the University of Phoenix shortly after so neither loan was used. At least that's what I have been thinking. Though one account is still showing up on my credit report as WE EFS with $0 balance, no lates, with the "account closed" date just 4 months after the "opened date". Only remark is "payment deferred".
How do I go about getting this off of my credit report? It's not showing as a negative account on any credit reports. Does that mean it is no longer affecting my credit score?
On another note, I plan to purchase a home in June 2018 and I have previously disputed this account before I found out what it was. Do I have to get that dispute remark removed before I close on a home? If so, how would I go about doing that? It was disputed in August 2016, fwiw.
