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aerospace10 wrote:
Hello, I had a large student loan with Ny State higher ed. that shows as payment after chargoff/collection because it was in default when I consolidated with the Direct Loan Program. I contacted NY state to get the reporting status changed to just Paid, and they told me they Report only as a Zero Balance, and it is up to the CRA on how they report it as, the customer service rep actually recommended that I dispute it with the CRA to see if I can get the status changed. Im not sure how I would dispute this with the CRA. My guess would be to send in a letter dispute CMRRR and dispute as "Should be Paid or paying as agreed" and not "Chargoff" Any recommendations? Thanks in advance
aerospace10 wrote:
Thanks everyone, i will get that letter on letterhead. I was a bit skeptical in believing NYSHESC when they told me it is up to the CRA on how they report it and they only report the zero balance. Maybe they just didnt have the heart to tell me over the phone that there was nothing they could do for goodwill so they bounce me to the CRA to dispute it.