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All the lates (50+) were my orginal loans through the Department of Education. They have since been consolidated via Great Lakes. But these old DoE tradelines were still on my credit report. I didn't have much hope after reading all the threads on here, but thought I'd give it a shot anyway. I'm not sure if the DoE just doesn't care anymore since the loans were sold to Great Lakes, but regardless I'll take it.
This is inspiring!! Congratulations. I've got a bunch of lates only on my TU for my old student loans before they were sold. Mostly from the period where I was applying for a forbearance and it took a while for approval. They're very very old, so I'm going to give this a try and see if they come off.
UPDATE:
All of my Student Loan lates have been removed from all CRA. That's over 50+ lates per report
Got a really nice score bump. Moving on to my civil judgements next!
where r u located? when did you do this?
yeah...how big of a jump did you see in your fico scores? I have some late student loan payments from 2009-2010...they are scheduled to delete in 2016....just not sure it is really worth disputing as MYfico does not show these as negative indicators in my scoring(no red flags). What do you guys think? would I see a score bump if these were corrected?
It doesnt really matter where you're located, but these were all Direct Student loans that were automatically transfered to Great Lakes after the DOE stopped handling them (this may be why I was able to get them removed, not sure).
As far as how big of a boost I saw...it ranged from about 50-60 points between all 3 CRA (fako scores). I was an extreme case though, like I said I have 50 lates per credit bureau (5 lates each on 10 seperate student loans).