I had three student loans with Citibank. All payments were made. All payments were on time. The loans were paid off early.
In December of 2001, I filed a Chapter 13 BK. The BK was paid off and discharged. When I filed the BK, my three student loans were included. I was told to include all debts, regardless of whether they were in default.
Since that time, instead of three student loans on my credit report, there are six. They all have Citibank's name on them. Three of them are in the negative category - status IIB/Never Late. Three of them are in the positive category - status Paid/Closed, Never Late.
I called Citibank this week and asked them why there are six accounts instead of three, and why three of them are negative. I was told that their records had been purged, and they could not tell for sure, but that the loans had "probably" been purchased by the "guarantor", which I assume is the government.
I was never notified of any such purchase. Payments were always made directly to Citibank. There was no change in payment address, payment schedule, or payment amount. In other words, since Citibank continued servicing the loans as they had always done, I do not believe this to be true.
I have written a letter asking Citibank to remove the three negative accounts. I now fear they may just remove the three positive accounts and am wondering if I should have just left it alone. Who knows? Maybe they will remove them simply because their records are purged. Did I do the right thing in asking for the negative accounts to be removed? Anyone else ever had the same student loan report twice?