Not what I said. I said "only as good as the flunky who inputted the info" .
Here are several examples all related to my credit reports: 1) Two of three reports use to say I lived in Sacramento. Can tell you for a fact I have never stepped foot in that city. 2) All three reports claimed I had a Spiegel account. Nope. . . never did. 3) Two of three reports claimed I had an account with Pac Bell - no doubt a phone number associated with that residence I had in Sacramento. As it turns out - and it took me over a year to fix it, they had me mixed up with someone else. Name and SS# apparently not even close. So. . ., when I say a bunch of "flunkies" I am not kidding, and, each agency feeds off the other therefore if one agency picks up incorrect info it is only a matter of time before the other two pick it up.
Okay, so you think that means that legally you no longer owe the student loans? If the lenders are no longer trying to collect and never contact you again I suppose your incorrect belief works but don't hold your breath. Unless you worked something out with the lender outside of bankruptcy or you filed a Complaint under 11 U.S.C. 523(a)(8) and got a Court Order granting a hardship discharge the student loans are still collectable. Just remember, there currently is no statute of limitations for the collection of student loans - at least government loans - not sure about private ones but my guess is the rule applies there too.
Sounds like Equifax has not picked up on the incorrect reporting of the other 2 reporting agencies and is still reporting the student loans correctly. If you are of the belief that the other 2 agencies are somehow benefitting you as it relates to the way the loans are reported you might not want to rock the boat. If you do, those 2 agencies may wake up, realize the info is wrong and then correct the mistakes, thus matching what Equifax is showing. Remember, they all share info.
Best regards.
Des.

