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Finished my rehab in May and the derogs are still on my reports.

Valued Contributor

Finished my rehab in May and the derogs are still on my reports.

Hey all as my post says I finished my rehab on 1 loan in May and the fed loan lates are still showing on my TU and eq. It has been completely removed from my ex. How do I go about getting these removed? Any and all help would be greatly appreciated. I'm out of my depth with student loans. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
5 REPLIES
New Contributor

Re: Finished my rehab in May and the derogs are still on my reports.

Unfortunately not every person that finishes the rehab gets the TLs removed, but not all hope is lost.

 

How are the TLs from TU and EQ currently reading?  That will help us give you advice on the next steps

My FICO Scores:
9/17: EQ - 542 / TU - 535 / EX - 506 // Mortgage: 553, 545, 486
10/ 17: EQ - 558 / TU - 563 / EX - 586 // Mortgage: 554, 568, 536
11/17: EQ - 630 / TU - 589 / EX - 614 // Mortgage: 606, 606, 572

Journey Milestones: Completed Federal Student Loan Rehab in Sept 2017. Settled First Premier Bank CC in August 2017. Constant uphill battle with Navient incorrect reporting on seven (7!) private student loans. No TLs listed in delinquency. Obsessively keeping 2 CC UTI @ 7-9% monthly.

End Goal: Pre-Approval for FHA Spring/Summer 2018
Message 2 of 6
Valued Contributor

Re: Finished my rehab in May and the derogs are still on my reports.

Closed with a zero balance. But all the lates are still there . Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 3 of 6
New Contributor

Re: Finished my rehab in May and the derogs are still on my reports.

Personally, if I were in your shoes, I would go ahead & file a dispute with the other two CRAs.  Just as sort of a final effort sort of thing.  Technically, they are correct in reporting late, and they don't have to report differently.  If that makes sense.  

 

I have been following along closely with my own rehab, as well as others, and I can't seem to figure out the rhyme or reason why some folks have their trade lines deleted & others do not.  That inconsistency kind of stinks, but hey, it's government lol  For example, my payment history was deleted & the TL's for the two I had are now "closed" and "paid in full" with no payment history.  However, my new TLs which I have already paid on, still aren't showing.  Iyiyiy

 

Good luck.  Keep us posted Smiley Happy

My FICO Scores:
9/17: EQ - 542 / TU - 535 / EX - 506 // Mortgage: 553, 545, 486
10/ 17: EQ - 558 / TU - 563 / EX - 586 // Mortgage: 554, 568, 536
11/17: EQ - 630 / TU - 589 / EX - 614 // Mortgage: 606, 606, 572

Journey Milestones: Completed Federal Student Loan Rehab in Sept 2017. Settled First Premier Bank CC in August 2017. Constant uphill battle with Navient incorrect reporting on seven (7!) private student loans. No TLs listed in delinquency. Obsessively keeping 2 CC UTI @ 7-9% monthly.

End Goal: Pre-Approval for FHA Spring/Summer 2018
Message 4 of 6
Valued Contributor

Re: Finished my rehab in May and the derogs are still on my reports.


LindysMom wrote:

Personally, if I were in your shoes, I would go ahead & file a dispute with the other two CRAs.  Just as sort of a final effort sort of thing.  Technically, they are correct in reporting late, and they don't have to report differently.  If that makes sense.  

 

I have been following along closely with my own rehab, as well as others, and I can't seem to figure out the rhyme or reason why some folks have their trade lines deleted & others do not.  That inconsistency kind of stinks, but hey, it's government lol  For example, my payment history was deleted & the TL's for the two I had are now "closed" and "paid in full" with no payment history.  However, my new TLs which I have already paid on, still aren't showing.  Iyiyiy

 

Good luck.  Keep us posted Smiley Happy


What gets me is that when I entered rehab they said all negatives and lates etc would be removed. What do I say the basis for my dispute is? Dv 


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 5 of 6
New Contributor

Re: Finished my rehab in May and the derogs are still on my reports.

Hmmm ... got me on that one.  Maybe someone else can chime in?

My FICO Scores:
9/17: EQ - 542 / TU - 535 / EX - 506 // Mortgage: 553, 545, 486
10/ 17: EQ - 558 / TU - 563 / EX - 586 // Mortgage: 554, 568, 536
11/17: EQ - 630 / TU - 589 / EX - 614 // Mortgage: 606, 606, 572

Journey Milestones: Completed Federal Student Loan Rehab in Sept 2017. Settled First Premier Bank CC in August 2017. Constant uphill battle with Navient incorrect reporting on seven (7!) private student loans. No TLs listed in delinquency. Obsessively keeping 2 CC UTI @ 7-9% monthly.

End Goal: Pre-Approval for FHA Spring/Summer 2018
Message 6 of 6