help needed! reporting mulitple times

[Rissa8]

I am in desperate need of help making sense of my students loans the way they are reporting on my CR. To me, at least, it seems that the same loans are reporting multiple times. My tax return last year(for tax year 2011) was partially taken to take care of the remaining balance, but its not reporting as so....again at least not to me. Can anyone decifer what this means for me and offer advice or guidsnce on howto correct it? Imntrying to get a mortgage preapproval.

AM STD ASST 001 03/13 $3000 COLLECTION
627822 EDU 06/08 $702 ----
05/12 $- XP/TU
02/12: -999999999999
REMARK: PLACED FOR COLLECTION; COLLATERAL: 08 SUNTRUST
BANK; $702 PAST DUE

AM-STUDAST 03/13 $3000 COLLECTION
SUNTRUST 627822 EDU --/-- $702 0 0 0
07/07 $- EF
REMARK: COLLECTION ACCOUNT; $702 PAST DUE

AM STD ASST 001 03/13 $2769 COLLECTION
627712 EDU 06/08 $691 -----
05/12 $- XP/TU
02/12: -9999999999999
REMARK: PLACED FOR COLLECTION; COLLATERAL: 08 SUNTRUST
BANK; $691 PAST DUE

AM-STUDAST 03/13 $2769 COLLECTION
SUNTRUST -627712EDU--/-- $691 00000
07/07 $- EF
REMARK: COLLECTION ACCOUNT; $691 PAST DUE

ACS/SUNTRUST 120 07/08 $6146 GOV CLAIM
SS# OMITTED EDU 10/97 $0 0 1 9
08/07 $0 XP/TU/EF
07/08: 9666666665432CCCCCCCCCCCC
LATE DATES: 6/08-150+ 5/08-150+ 4/08-150+ 3/08-150+
2/08-150+ 1/08-150+ 12/07-150+ 11/07-120 10/07-90 9/07-60
REMARK: STUDENT LOAN ASSIGNED TO GOVERNMENT;

Can anyone clarify? Who do I contact? Suntrust? American Student Asst?

I was advised by my LO not to dispute anything.

Thanks in advance! Obviously I am new to this and just trying to get everything right.

[SCF]

It looks like you have one or more defaulted federal student loans.  They were transferred to a collection agency (the American Student Assistant company listed on your reports) and that is who you would contact now about payments and options to rehabilitate or consolidate the loans and get them out of default.  I would contact them, and also check for any other loans on the National Student Loan Data System (nslds.ed.gov) to see if you have other accounts out there and who might be holding them.

The NSDLS will clarify exactly how many federal loans you have, who currently holds them, and how much you owe.

[Rissa8]

Thanks for your quick response. I have logged on and its showing only one loan with an outstanding balance of $605 listed as defaulted, unresolved in 06/12. It also lists the current guaranty agency as asa, current lender suntrust and current servicer acs. Which one should I contact?

[kjel]

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@Rissa8 wrote:
Thanks for your quick response. I have logged on and its showing only one loan with an outstanding balance of $605 listed as defaulted, unresolved in 06/12. It also lists the current guaranty agency as asa, current lender suntrust and current servicer acs. Which one should I contact?

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You would call ACS as they are the servicer.

Also check www.myeddebt.com which should list your loans that are in collections.

I count 3 loans listed above. You have 1TL for the original loan and then another TL for the susequent collection account. The last one is a little more difficult to figure out what's going on.