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Higher Education Act: 34 CFR 682.405 or 674.39
I had two student loans that went into default. This default was reported to credit bureaus by initial lender. The student loans went on rehabilitation plan with another lander/ guarantor.Both student loans have been successfully rehabilitated 4 years ago. While loans were on rehabilitation plan the rehabilitation guarantor/ lender did not make any reports to credit bureaus. The initial default reported by initial lender are still on credit reports. I am trying to remove those. Both the initial lender and rehabilitation lender/ guarantor claim that are not responsible. Under the Higher Education Act of 34 CFR 682.405 or 674.39 one must be responsible to remove negative remarks regardless of which type of initial loan was Perkins of Stanford. What am I missing here. Why HEA list "removal of defaults" if it does not apply to any.

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