I defaulted and rehabbed 7 student loans, which left me with a total of 114 late payments from defaulting according to FICO. The guarantor took over the loans on 01/09 so from what I understand I will be completely clean in 7 years from that date. However, since some of those lates happened as early as 2005, should I expect those lates to start dropping in 2012 and bring down the count on my 114 lates, then the rest of the lates to follow month-by-month as they each hit their 7-year anniversary? Or am I stuck with the entire negative tradeline as is until 2016? I’ve attached a pic to make things easier. Thanks! 
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