Student Loans

[Hdk0708]

I have 11 separate student loans through the DOE Direct Loans.  I fell behind on payments by 90 days and all were reported as "negative" accounts on my credit report.  I am very sick about this.  My credit report dropped 170 points.  I called Direct Loans, Equifax, and a consumer credit reporting agency.  They informed me that there was nothing I could do about this; even getting my payments current would not remove the negative scores.  I have been reading threads here to get information and have found it helpful.  I would like to know if I need to go into default before I can actually get into the rehab program? Does rehab garnish pay, or can I pay voluntarily?  Finally, can negative reports be removed from one's credit report?  Thanks for any help you can offer.

[llecs]

I can't speak to the SL process per rehabbing and so forth, but I have seen some folks claim success by sending a Goodwill letter to Direct Loans and having lates removed. I would get current on each now and then wait a month or two, and making sure your CRs update before trying the GW route.

[Hdk0708]

Thank you for your helpful response. Much appreciated.

[Rushlady]

Ed Fin You might try to look at this website edited has My 720 credit Score. May you could get some pointer.

Posting of other's names isn't allowed on here - llecs, myFICO moderator