Default Student Loans on Credit Report

You can try "goodwill" letters sent to wells fargo. There are post here about those. Also, of course, time will take them off in about 7-10 years.

The negatives will age off 7 years after the claim paid date or your date of default.

I'm assuming the loans are from a 'private' agency...you said Wells Fargo? Maybe you can talk to them. Have you kept all of the 'proof of payments' receipts? This way you have a better chance to have Wells Fargo change the 'reporting status' on them.

These sounds like FFELP loans as there is no way to bring private loans current.

Once you default on a student loan, your reporting status will never change unless you rehab. Receipts dont mean anything.

Thanks for your replies. I have already went through a 9 month rehab period and now have all the loans consolidated with acs-education (which I am current on payments). The negatives are really hurting my credit right now and was hoping I could do something to fix it now that I have worked everything out. Should I dispute them? Could that work?

Thanks,
CK

As long as they are reporting a zero balance, they are reporting correctly and WF will verify . How long ago did you default?

Date of First Delinquency: 08/2006

Date of first deliquency is not a factor in student loans. Reporting per the Higher Education Act is based off of the default date. I was asking for the default date....the date your guarantor paid the claim. That is your base date for drop off.