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Posts: 1
Registered: ‎03-09-2017

Rehab: When does charge off get removed? By whom?

I had a Direct Loan that was transferred to MOHELA in 2012, and eventually got late on payments/defaulted. Last July I found it was with FMS DC, started rehab, etc.



I completed my ninth payment on 3/15, loan was transferred to Navient ~4/20, and I immediately set up an account to make sure I don't mess this up again. Yesterday (5/8) my EQ FICO 8 went up 28 points, and upon looking at CK, the new Navient accounts show up as in good standing with the original loan dates. So far, so good.


However, when I look at the old Dept of Ed accounts, they not only show the late payments (expected), but they're still showing the charge offs. Unless I'm missing something, the charge offs should be removed, should they not? My real question is, am I jumping the gun and just need to wait another week or two for those accounts to remove the charge offs? Or do I need to contact somebody b/c something didn't get done properly? I guess my issue is that the accounts were changed from "open" to "closed," so why wouldn't they take care of the charge offs at the same time?


Also, if I should contact someone to remove the charge offs, which servicer should I contact? Navient/FMS/MOHELA/Dept of Ed? If the 28 pt jump was only due to AAoA, hopefully it will go up even more with the COs removed.



Thanks in advance,



Started with: TU 535 (11/16)

Now: EQ 646 TU 628 EX 594 (5/17) (TU and EX still awaiting update after rehab)

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