04-19-2013 05:05 PM
I called AES about my now rehabbed (as of 4/9/13) SL. They have removed the collection account from my CR but the original TL still shows as 120 days late, closed, CO, with a $0 balance. I wanted to see if they could tell me what will happen with that TL and when I can expect to see the change. I was told that I need to talk to the default department so they transfer me. A very nice guy from the default department then tells me that I have to talk to customer service and tries to transfer me back again. I gave up for the night, I'll try again Monday morning.
04-19-2013 05:07 PM - edited 04-19-2013 05:48 PM
Nevermind. I got my answer.
04-19-2013 05:25 PM - edited 04-19-2013 05:47 PM
04-19-2013 05:49 PM
04-19-2013 06:07 PM
Thanks for the reply. I was transferred back to the customer service department of the same servicer. I haven't made my first regular payment with them yet so I'm wondering how things will change once that happens but for now the original TL is still there looking the same as it did the day I defaulted.
I think my best bet right now is to put this out of my mind completely until I actually see what they do. Im going to make the payment early (like a month early) and see what happens.
I'm just annoyed. The rep repeated several times how the lates with age off 7.5 years from the date they happened. Thanks buddy.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.