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Student Loan Dispute Success-- 31 point jump!

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tfkallday
Frequent Contributor

Student Loan Dispute Success-- 31 point jump!

After my student loans were rehabbed and sold Direct Loans was reporting 10 TLs as 120 plus days late even though they were sold.  I disputed with all three credit bureaus on Thursday and I just got an email from Equifax stating that they deleted 9/10 trade lines!  They didn't take off the last because it is not reporting and has a late payment from 2011 so I will keep trying to get it deleted.  My eq score went from 591 to 622!


Starting Score April 2013: 556
Current Score March 2014: 682
Goal Score Soon (-: 700


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Message 1 of 10
9 REPLIES 9
DaBears
Senior Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Way to go!!!!! Very nice job!!

Message 2 of 10
tfkallday
Frequent Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Thanks DaBears!  Still waiting for hear back from TransUnion and Experian.  I disputed one measly 30 day late as well with Experian and they deleted it!  I have a question though: how come Trans Union wont let me go view my credit report and dispute items?  IT just keeps saying that it is unavailable so I had to write in a dispute...


Starting Score April 2013: 556
Current Score March 2014: 682
Goal Score Soon (-: 700


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Message 3 of 10
tomfromrictmame
Frequent Contributor

Re: Student Loan Dispute Success-- 31 point jump!

TU only allows one dispute at a time to be in process.  However, if you call them, they will gladly tell you the status of the current dispute.




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Message 4 of 10
tfkallday
Frequent Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Thanks I will call on Monday.  I wrote in the dispute i am not sure if it went through so I will have to check or refile it.  Thanks again!


Starting Score April 2013: 556
Current Score March 2014: 682
Goal Score Soon (-: 700


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Message 5 of 10
zsepthenne
Regular Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Congrats! That's a nice jump.

I've got two disputes out with TU and EQ currently for the same thing, two loans paid by the dept of education showing a current 120+ day late status. You've given me some hope that the status (or whole tradeline) will go away!

Beginning Scores 9/2013: EX 651, TU 639 Short term goals: Scores in the mid 700s 1/15 TU08 701| 4/2018 TU08 800!! |11/2019 TU 785
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Message 6 of 10
coldnmn
Mega Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Great jump Congrats !

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 10
FocusedAndDetermined
Senior Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Congrats!  Keep at it until you get it all cleared up.

Message 8 of 10
Rikku
Regular Contributor

Re: Student Loan Dispute Success-- 31 point jump!

Congrats, that's GREAT news! Keep trying with the last one!
Message 9 of 10
tfkallday
Frequent Contributor

Re: Student Loan Dispute Success-- 31 point jump!

 

Starting Score April 2013: 556
Current Score March 2014: 682
Goal Score Soon (-: 700


Take the myFICO Fitness Challenge
Message 10 of 10
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