Credit Card Center Advertiser Disclosure

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

Take the FICO Fitness Challenge

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


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

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


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

Take the FICO Fitness Challenge

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


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
0 Kudos


Thanks for that 39194yazoo.

Established Contributor
Posts: 964
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
July 2017 Current Scores: Approx 710 (waiting for official updates)
Community Leader
Epic Contributor
Posts: 29,709
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.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.