I have recently been trying to really clean up my credit as I cannot get any loan without a extremely high interest rate. One of the items that was showing up on my credit report both equifax and transunion was the provincial part of my student loan through OSAP. I havent made a payment on this loan since it was sent to collections but it has been receiving money through gst, tax returns etc. When I pulled the report last year it showed date of last activity as 2007/06 and when I applied for a loan through RBC in February of this year they told me it was one of the items hampering me. So today I got both my credit reports with transunion and equifax and it doesnt show on either. From my research I know SOL is a tough question to answer but im wondering what I should do. I know for a fact NCO still has the file but not sure why it isnt reported or showing up. i know it was under the section of equifax with collection accounts but from what Ive heard this type of loan isnt purged from the system after the 6 years.I've called around and haven't been able to receive an answer except that it still has to be paid. Any suggestions or recommendations as to what I should do or whats happening?

FYI I am currently making payments to the federal part of the loan through CRA.