Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,666
Registered: ‎06-30-2016
0

Re: NAVIENT SCREWED MY FICO SCORE


NavyVeteran wrote:

Guess what?  Navient sent me a letter back saying that ACS should have been reporting my payments.  Their letter arrived this past Monday.  I was going to send a rebuttal but before I did I checked my FICO score and it was raised 51 points because someone else in Navient decided I was correct and they FINALLY reported all of my payments to the Big Three and I had my reputation restored.  I am thinking about tripling my payments to Navient so I can get them out of my life asap but I will be eating only one meal a day.  It will be worth it as I need to shed a few pounds.


Why not consolidate them elsewhere?


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
New Member
Posts: 4
Registered: ‎01-28-2017
0

Re: NAVIENT SCREWED MY FICO SCORE

My student loan was already consolidated when Sallie Mae ran the show.  It is the ONLY debt I have.  My car is paid off and I am sitting on ZERO balances with 4 credit cards which I only use for emergencies and if it is the only way to pay online as not every merchant accepts PayPal.  I usually shop and pay for items with my ATM card which keeps me out of credit card hell.  I watch every penny, keep receipts and have an Excell spreadsheet of all the money I spend daily.  My friends may call me cheap but I call myself smart.

Highlighted
New Member
Posts: 7
Registered: ‎11-28-2014
0

Re: NAVIENT SCREWED MY FICO SCORE

Yes! This happened to me as well back in 2014. Except that the loans were already consolidated and one late payment is showing as multiple lates. Anyone know how to deal with this? Or do you just suffer the impact until they all fall off your reports?


Starting Score: 590
Current Score: 757
Goal Score: 850+


Take the myFICO Fitness Challenge
New Member
Posts: 3
Registered: ‎09-12-2016
0

Re: NAVIENT SCREWED MY FICO SCORE

I would use the CFPB.  Navient will screw you around by waiting until the last possible day to reply and they will request the maximum extension of 60 days after that.  From there they will again take the maximum amount of time to reply.  The good part is, if these are federal loans, the CFPB will be able to lean on them to follow the law.  Pretty sure, but you'll have to research where it's written, that they are required to report all payments of federal loans regularly.  

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 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.