Transferred SL question

[stone4779]

I took out two loans with Sallie Mae.

I never paid anything on either one.

One Sallie Mae loan says "Charge-Off" and is scheduled to be removed in Nov. 2011.

The other shows as "Pays as Agreed" with a $0 balance and has a last activity date of 2/2006. Date of last payment 12/2004...

but I never paid anything on it. It has a ton of lates on there and I would like to get this one removed. Since it says "Pays as Agreed" it will stay on there longer (10 years) than if it said "Charge-off" anything other than "Pays as Agreed"

Is this right?

The loan was sold to National Student Loan at some point. This cant be fair to sell it to another lender and report it as "Pays as Agreed" to keep it on my credit report! If it didn't it would go off in December 2011..only a few months away.

What do I do?

I have another simple question but I will start a new thread for that one to keep the issue separate.

Thanks to anybody who can help

[30daylate]

Collection agencies are crafty. You might be able to negotiate a payment for deletion agreement.

[stone4779]

After lots of disputes over and over National Student Loan is off all three credit reports, for now

On to Sallie Mae....man I wish Sally was that easy..good thing they are all within a year or so of being past the reporting period...