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The full story is really long but my question is simple. I rehabilitated my students loans and the derrogatory/default status was removed from the TL's. However after the update Experian shows the loans as "180 days late" and delinquent while Transunion shows "Paid/Pays as agreed". I've disputed with Experian and it came back verified. I talked to the original servicer and they have sent me documentation saying that they are not reporting the TL's at late.
Also, after rehabilitation the loans were purchased/transferred to a new lender. Same amounts and same open date but now I have 4 TL's with 2 different companies for the same loans. There was no consolidation so these represent the same debt. Do I have a case to have the older TL's removed?
@omskillet wrote:
Also, after rehabilitation the loans were purchased/transferred to a new lender. Same amounts and same open date but now I have 4 TL's with 2 different companies for the same loans. There was no consolidation so these represent the same debt. Do I have a case to have the older TL's removed?
Are the older, original TLs still showing a balance, or $0?
Assuming that you can get them to correctly reflect a positive payment history, you do not want to have those accounts removed. They are helping your average age of accounts for the time being.