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Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011
0

Should I dispute this??

[ Edited ]

One of my student loans that went to collections and was ultimately paid in full (by me) is reporting a current status of "120 days past due" and a balance of zero.

 

I'm thinking of calling Sallie Mae (the original lender) to have them strike this and replace with "paid in full" or similar. But maybe if I wake the dragon, he will now report as "gone to collections" or "chaged off" or similar.

 

Any advice?


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Contributor
fixitquick
Posts: 96
Registered: ‎04-10-2007
0

Re: Should I dispute this??

Are you seeing that on your reports at MyFico or on your full CRA reports?

 

I ask because I have some that stay 120+/etc on this site, but on my full report, they report as "paid collection" or "pays as agreed"


Starting Score (08/22/11): TU: 510 / EQ: 512
Current Score 07/11/14 TU: 658 / 07/11/14 EQ: 669 / 07/14/14 EX: 664
Goal Score: 720+ across the board!


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Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011
0

Re: Should I dispute this??

[ Edited ]

I don't know what a "full report" is, but the TransUnion is from myFICO. I also have an Equifax with exactly the same Sallie Mae info that I got as one of my free annual credit reports.

 


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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