Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 226
Registered: ‎12-11-2012
0 Kudos

Completed Rehab in FL ?

Anyone out there made your 9th payment (or 12th in my case), finished rehab (technically) and still waiting on your loan to be picked up ? My balance is about $30k and I've been waiting for about 3 months now (made my 9th payment in Oct).

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One
Established Contributor
Posts: 731
Registered: ‎08-12-2011
0 Kudos

Re: Completed Rehab in FL ?

I don't think the state you live in has anything to do with it. As soon as a lender is willing and ready, your loans will be picked up.

Frequent Contributor
Posts: 389
Registered: ‎07-09-2012
0 Kudos

Re: Completed Rehab in FL ?

Go to and make sure all your payments have posted.  I made my 9th payment and found out that my 7th didn't post correctly.  Apparently they have some GLITCHES in their system and not all payments post correctly.  The collection agency told me this has been an ongoing problem.  If our payments are not posted correctly yoru loan cannot get picked up.  I have been pro-active in getting them to find my payment that didn't post - but with no luck this far.  I just sent my bank statement and proof of it being deducted from my bank account hoping they can get it manually entered.  Had I not noticed the missing 7th payment I don't think anyone would have told me the hold up.  No one but me seems to be concerened.  Both the collection agency and DOE keeps saying the GLITCH will get fixed eventually.

June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans

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.