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FullRecovery

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Loans appearing delinquent have been forgiven
Suffered an injury & was off work (without pay), collection accounts are insurance denial of medical claims...since settled

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But the loans are part of your credit history and will show on your credit reports for 7 years from the date they were forgiven.  If a potential creditor checks your credit, the report will also note that the loans were forgiven. 

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