Helps with student loan and reporting

[ngerasimatos]

I have this student loan which fell into default with Wells Fargo, I then went through the process of fixing it and consolidating with the Dept of Education and the loan has since been paid off. Wells fargo is reporting it as 120 days past due, though it was paid off years ago. How can I get this fixed? I have tried disputing every way I know how and it always comes back as validated.

Im trying to get this fixed becuase everytime I apply for credit it triggers a knee jerk reaction but creditors as they think its currently 120 days past due, when it is in fact not.

[URL=http://img686.imageshack.us/i/captureyqf.jpg/][IMG]http://img686.imageshack.us/img686/2948/captureyqf.jpg[/IMG][/URL]

Uploaded with [URL=http://imageshack.us]ImageShack.us[/URL]

[mauve]

I'd send Wells Fargo a goodwill letter and explain exactly what you said here.  I'd make sure to include the fact that creditors are being thrown off by the 120 days status....and ask if there is any kind of goodwill adjustment that can be made. 

[ngerasimatos]

I tried that first, they sent me a BS letter satting they are reporting true and accurate information. I sent about 10 letters to different individuals and departments. No luck.

Disputing is going to have to be the way to go on this.

[Loques]

This is what I can say about this:

In my dealings with past due students loans, they can't and won't delete the derogs on the loan (being student loans and all) but it shouldn't be reported as CURRENTLY past due if the loans are paid.  Maybe you should call WF and speak to someone to get them to understand the situation and what is going on?