I have a student loan that my mom cosigned for me back in 2005. It has paid as agreed for the last 7 years. In late 2015, my mom filed bankruptcy without realizing that one of her debts was my student loan. My credit score dropped from a 791 to a 690 overnight.
I immediately contacted AES, who told me it was already sent to collections. After waiting almost 2 months for the collection agency to "receive it," I asked for instructions to pay the note in full. I fulfilled these obligations, have credit reports showing it was never late, have a copy of the cashier's check for the loan amount, and have a letter from the collection agency that the note has been paid in full.
On my last credit report, it still lists it as a collection/charge-off.
How in the world can I get this off my credit report, since my actual credit was never actually in question, and I paid the full $2K as soon as I knew it was an issue? I hope to God that I do not have to have this on my report for 5 years when her bankruptcy is discharged.
TLDR: I paid my loan as agreed for last 7 years, mom files for bankruptcy, now I have a charge-off on my account. I have paid it in full but it still remains on my credit report 6 months later now.