I have already started a Rehab Program for my SL's, I did so back in Oct. of 2012 and will finish in June 2013. The CA that my Rehab Program is through is F.M.S. (Financial Management Systems), the only problem I have with them thus far is that they have sent me absolutely zero paperwork via USPS only the agreement I had to sign via E-Mail; I couldn't even get them to send me paperwork regarding all of the promises them made to me i.e. removal of Default Status, removal of ALL Baddies, and dropping all of my interest in fees once Rehab Program is complete. I'm hoping that someone on here has had some experience with FMS and can relieve my worries by letting me know that they kept to their word.
A big reason for writing this post is the confusion with what is being reported on my CR, it is as follows, please advise!
1.
US DEPT OF ED
08-09 5500
Hist: 12-12
Ctgy: STUDENT LOAN
ACCT SUBMITTED OT COLLECTION COLL 09-12
PAST DUE PAT $6466
2.
US DEPT OF ED
05-10 3066
Hist: 12-12
Ctgy: STUDNET LOAN
ACCT SUBMITTED TO COLLECTION COLL 09-12
PAST DUE PAT $3486
3.
CITI/STDNT LN RSRC CNT
08-09 5500
Hist: 10-10
Ctgy: STUDENT LOAN
ACCT TRANSFERRED
STUDENT LOAN
DEFERRED STUDENT LOAN
4.
US DEPT OF ED
05-10 3228
Hist: 05-12
Ctgy: Education Loan
Lates: 10x90 etc.....
DEFAULTED STUDENT LOAN
CLAIM FILED FOR INSURED PORTION OF BALANCE
GUARENTEED STUDENT LOAN
5.
US DEPT OF ED
09-09 5988
Hist: 05-12
Ctgy: EDUCATION LOAN
Lates: 10x90 etc.....
DEFAULTED STUDENT LOAN
CLAIM FILED FOR INSURED PORTION OF BALANCE
GUARANTEED STUDENT LOAN
----------------
This is everything pertaining to my student loans, there are two of them but I'm not sure what each entry here on my report means and what will drop off when I'm done with Rehab and what won't. Any help and or advise is greatly appreciated.
PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP
Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
