How long does a student loan stay on a credit bureau report?

ADDITION ON 3/24/11: The information below about student loans isn't necessarily correct - check this source as well: credit.com/credit_information/credit_rep... If the student loan is government funded or guaranteed, it can stay on your report beyond 7 years if you defaulted The sources I've found all say 7 years. The best link I found was: creditinfocenter.com/creditreports/cr_ti... My defaulted student loan however, has exceeded that time. I just filed a dispute so we will see what comes of that Depending on which state you live in a student loan default only stays on your credit report for seven years However companies like Sallie Mae use collection companies that employ illegal tactics when trying to collect the debt.

Not only can you report them to the FTC, you can sue them if they A. Tell you that you can go to jail for this debt B. Lie to you about any of your legal right's regarding the debt C.

Act as a legal advisor to you D. Misrepresent themselves as some sort of law enforcement officer in an attempt to collect this debt C. Use illegal tactics such as sending your information on say a postcard in an attempt to shame you D.

Contacting a third party about you if they already know your phone number, address and other information E. Call you before 8 a.m. Or after 9 p.

M F. Make illegal threats about taking your home, car, or livelihood without having already gone to court Once a Student loan is defaulted you will more than likely hear or see many of the above happen to you. Just keep your head and stay cool.

Depending on your state you may have even more rights that what are listed above If a collection company does call you find a fair debt collection lawyer in your area and contact him/her ASAP. You need help! You can fight back and sue if any of the above happen to you, and you will be awarded money in many cases.

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