Posts: 126
Registered: ‎10-02-2011


Has anyone ever had any luck getting lates removed from an AES account.  This is the most recent late on my report (about a year ago).  Now the lates were after I applied for a deferment, but before I was actually approved.  AES also keeps randomly putting my accounts in and out of deferment?  I emailed them and asked for a GW deletion but got nowhere.  These are the ones that are hurting my score the most, any ideas?

Starting Score: 580
Current Score: 644
Goal Score: 670

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Regular Contributor
Posts: 128
Registered: ‎12-29-2011


I am somewhat new here but would love to help. What is AES?

Valued Member
Posts: 32
Registered: ‎01-04-2012


I talked to an AES representative and they told me after two years the late payments would be deleted. I am at my two year mark now, so  I disputed online with my credit bureau (equifax) and am waiting for a decision. I too have a deferment plan with AES.  Hope this helps.

Starting Score: EQ 551 TU 537 1/4/2012
Current Score: EQ 637 TU 652 2/23/12
Goal Score: 850

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Established Member
Posts: 18
Registered: ‎08-17-2008


AES handles student

1/2008 TU 539 EX 642 EQ 549 (myfico)
1/2009 TU 615 EX 637 EQ 586 (myfico)
1/2010 TU 653 EX 669 EQ 630 (myfico)
12/2011TU 680 EX 690 EQ 673 (lender pulled)
Closed on home 1/30/2012
Goal Scores 720+

Wallet: Amex NPSL, HSBC $5600, HSBC $300, First Premier $250, Credit One $575 (All in gardening mode)
Regular Contributor
Posts: 128
Registered: ‎12-29-2011


Thanks for that 39194yazoo.

Established Contributor
Posts: 946
Registered: ‎02-07-2011


[ Edited ]

Your results may be different, but I've been waging a battle against AES for 2 years now and I have had absolutely no luck. I HATE AES with a passion!!!


Since they are only a servicer of student loans and not an actual owner of any student loans, they will always cop out by saying "we are just a serviucer and have to report per our agreement with the loan holder" and then the loan holder will tell you "AES handles all of our loann servicing and credit reporting so you have to speak with them." After dozens and dozens of letters and calls to both AES and the actual loan holders, I have given up. It's circular and frustrating.


In response to the previous poster's comment saying that AES told him/her they would delete, that has not been the case for me. I was never told that, but my lates are older than 2 years and the lates were not deleted. I have a feeling AES was either being dishonest when they told the previous poster that or the person he/she talked to simply had no idea whay they were talking about. I would love to hear an update though!

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
Jan 2012 Current Scores: FICO EQ 604 FICO EX ??? TU98 623
Feb 2012 Goal Scores: EQ 620 EX 620 TR 620 (or just the middle to be 620!!)
Mega Contributor
Posts: 17,456
Registered: ‎03-19-2007


Disputing with a CRA over lack of deletion will most likley get you nowhere.  The CRA policy is clear... information is not to be deleted based on payment of a debt.  Period.

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