Old NSL Account Appears as Open in Credit Report
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Forum Name: Credit Bureau and Reporting Issues
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URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=5659
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Topic: Old NSL Account Appears as Open in Credit Report
Posted By: trk996
Subject: Old NSL Account Appears as Open in Credit Report
Date Posted: 14/February/2010 at 7:48am
Recently I checked my credit report (from Transunion) and it shows an account that I paid off years ago as still open.
There are 5 other student loan accounts in my credit report, 1 BCSL and 4 RBC ones. They all say closed and paid... I don't know why there are 4 RBC ones instead of 2 but it doesn't seem important.
The Canadian Government Loan shows the condition as "open", the balance is blank, the high balance shows "5875", payment is "0", remarks are blank, and the 2 year payment history shows the last payment being made Oct 2005.
What I would like some advice in is whether I should complain to the National Student Loan Centre to get it closed or leave well enough alone since my credit report is all good otherwise (good score). I'm worried it would be a hassle to deal with them. Also I checked my documents and I can't find proof of payment, I think it's because I used an online bill payment with my old bank account for a final balloon payment, and they never sent me a statement after that.
So what do you think, ignore it or try to get everything right? Thanks.
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Replies:
Posted By: SolveStudentDebt
Date Posted: 14/February/2010 at 1:03pm
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The items you see are the actual "paper trail" of the loans. The ones that show closed and paid are either loans ypou yourself paid out, or if in default, paid by the government guarantor. I can see your concerns though because all the activity does sort of clog your report up with activity.
Johnny
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.
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