Just wanted to throw in my story with rehabbing these student loans and making sure they report correctly after the loans are caught up:
In 2011 I was changing careers and got behind on my loans. I finally called and discussed a plan with them. I would catch up on the balance do and they would put the loans in forbearance for about 6 months. I noticed a couple of years later (now that I'm finally trying to be responsible with my credit) that they kept reporting "90 days late" 3-4 months into the forebearance. So I had 6 installment student loans (loans split up by semester) reporting with 5-6 lates each.
Since they went back into repayment, new tradelines were opened associated with the loan servicer ("US Dept of Ed/Aspire") and I haven't been late on them at all for 2+ years. However, I still had the old tradelines ("US Dept of Ed") reporting lates-- the first 30 and 60 day lates were legitimately mine, but the 90 day lates while they should have been in forebearance were not. I wanted them to at least remove the 90 day lates, but of course it would have been ideal for them to remove all lates after the rehabbing was done.
So I disputed--ALL lates removed. The old tradelines are there for Equifax with "OKs" and "paying as agreed". TU deleted the old tradelines altogether and Experian marked them "transferred", which is fine.
Just a little note to echo those who have come before me: If they don't remove the lates once rehabbing is done, DISPUTE and hopefull all will be resolved.
