Student Loan Baddie Help

Anonymous · ‎07-20-2015

Hello Everyone,

So far you, Credit Ninja's, have helped me out with squaring away and building my credit with credit cards and fixing a Utility baddie. So now I have my next objective should you choose to accept. Below I have listed my 4 Student load accounts that have some lates reporting on my credit report. This is due to a lapse in deferments. I and awaiting approval for an IBR (Income-based repayment plan). Since the inception of these loans they have been deferred or under IBR. What would you recommend I do to try to have these removed? Can I submit goodwill letters, any chance of success? Also where would I send the letters to or can I email them?

All advice is welcomed. Thank you very much for your help and guidance in advance.

Your mentee,

Family Man Dan.

US DEPT OF ED: 7/2010 ($6155) OPEN
7/2013 8/2013
XXXXXX8581	XXXXXX8581	2894XXXXXX

US DEPT OF ED 6/2008: ($13652) OPEN
6/2013 120+ 7/2013 120+ 8/2013 120+
XXXXXX0577	XXXXXX0577	2894XXXXXX

NAVIENT: 10/2007 ($6607) OPEN
2/2014 1/2014 6/2012 5/2012 4/2012
XXXXXXXXXXXXXXXX0071	XXXXXXXXXXXXXX2200 (Different?)	9119XXXXXXXXXXXXXXXXXXX

Navient: 10/2007 ($4592) OPEN
2/2014 1/2014 6/2014 5/2014 4/2014
XXXXXXXXXXXXXXXX0071 (Same as above? )	XXXXXXXXXXXXXX1200 (Different?)	9119XXXXXXXXXXXXXXXXXXX

gdale6 · ‎07-21-2015

ttt

Anonymous · ‎07-21-2015

For the Navient loans I would contact Navient's student/borrower advocate.

For the Dept of Edu loans I would call them directly or the Ombudsman office

RobertEG · ‎07-21-2015

Are you asserting inaccuracies in what they have reported, or are you basing your request for removal on good-will?

Did they improperly terminate the payment deferral?

Anonymous · ‎07-22-2015

@AhmedInVA wrote:
For the Navient loans I would contact Navient's student/borrower advocate.
For the Dept of Edu loans I would call them directly or the Ombudsman office

AhmedinVA,

Thank you,

Whom is the Navient Loan Student/Borrower advocate?

Anonymous · ‎07-22-2015

@RobertEG wrote:
Are you asserting inaccuracies in what they have reported, or are you basing your request for removal on good-will?

Did they improperly terminate the payment deferral?

Hello RobertEG,

Thanks for your response. I'm not quite sure. I believe the deferrment ended and I wasn't aware of any payments being due and it took a while to get the next deferrment or income-based repayment plan approved. I did not make any payments so their reporting could be correct. I just believe I should have been notified or been able to have the loans deferred quicker to avoid these missed payments from occurring.