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It's been awhile since I posted because nothing has changed much. I rehabed 12/21/14 I was picked up 1/5/15 by FedLoan which still hasnt reported to CRA yet I spoke with them and they did say sometimes it takes 90 days. So I am expecting them to report this month sometime. I will keep everyone posted on the outcome and score increase. Till then... I am watching my paint dry -_-
Good Luck to everyone....
Who was your original lendor? Did your old TLs fall off?
Minor Update: I spoke to CSR from Navient. She says since the loan was only picked up last week she has no information on how the payment is calculated. She did push my first payment back to 4/21 from 4/1. I had been paying on the 21st in rehab, so it looks like I'm going to skip a payment. Still no changes in TLs. Hopefully something will happen soon. I'm anxious to see what my scores will be with a new 8yo tradeline with a perfect payment history.
For who to report? the old loan or the new? I was picked up 12/15. this month will be my 4th payment to Navient.. Old lines show closed paid as agreed. No score increase.
Hey ClimbingOnUp... I seen that you were going thru Fed Loans as well... they said that they will adjust my payment after 90 days I believe it is increasing in order to have it paid off within 10yrs. My question is did they do that to you as well? I was told by them that once they sent me out my new Repayment that it would be reported... She stated that it was going to be this month. I have made 3 mthly payments to Fed Loans already 1/5, 2/5, 3/5 and still havent been reported Its driving me insane... My old original 4 TL's from Wells Fargo I believe showed on my report that they were sold to the Dept of Ed... I still believe the people who it was sold to (Dept. of Ed) still have me as past due 120 days showing up on my reports... I contacted the Dept of Ed to have them remove the fact that I was in Default they said they put in a request in that day that we spoke. So hopefully that will be removed then Fed Loan can report my new TL's with them, which should date back to the orginal loan which was 2004 & 2005... I currently have a 670 with Transunion, 654 with Equifax and a 635 with Experian And I believe my Fico score is a 657. So I am looking for a nice increase to all my scores, especially with the new tradelines, and then them dating back to 2004 & 2005 that should definitely help my AAoA which should give me a nice boost... (crossing my fingers) But we will see... I am waiting... Just NOT patiently thou...
Update - It looks like the $400 per month payment was an error. However, when I first saw it I applied for the graduated payment program. So my payments will be just over $100 per month. I'm going to take that in the short term, and pay an additional $300 per month to bring my CC balances down. Once they're paid off I'm going to go back to the standard repayment plan. I think I'm going to try and pay 3x the payment each month. Now just waiting for the CR updates......still.....