When do they fall off?

[Anonymous]

For old student loans, is it date of last activity + 7 years? I have three older accounts (that have since been consoldiated, defaulted, rehabbed, and purchased - see my other posts) that have a $0 balance due, but the current status of these three all say '120+ days past due.' The DOLA on these three are 10/2004, 10/2004 and 9/2004.

Would these be dropping off my CR this year if I leave them alone?

[Anonymous]

The 7 year count starts from the DOLA, so yes they should fall of sometime this year.

[Anonymous]

I would say to add 7 - 7.5 years from DOLA as sometimes the 7 years can start 180 days after the DOLA. However, if your GWs don't work then once the 7 year mark arrives, if they are still there just submit a dispute saying that it is over 7 years old and ask that it be removed.

[Anonymous]

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@Anonymous wrote:

For old student loans, is it date of last activity + 7 years? I have three older accounts (that have since been consoldiated, defaulted, rehabbed, and purchased - see my other posts) that have a $0 balance due, but the current status of these three all say '120+ days past due.' The DOLA on these three are 10/2004, 10/2004 and 9/2004.

Would these be dropping off my CR this year if I leave them alone?

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As long as the student loans are paid, any derogatory should drop off 7 years from the date of occurrence.  If they are not paid, they can remain much, much longer.