topic Re: NAVIENT removing BADDIES!! in Rebuilding Your Credit

NAVIENT removing BADDIES!!

creditstalker — Mon, 30 Mar 2015 15:44:53 GMT

I currently have 6 of my student loans that are marked 150 days late (2011) and 3 accounts marked 120 days late (2011). I was in school at the time, and provided them with proof/documentation. I called to check the status, and ALL ACCOUNTS will be back dated to reflect a POSITIVE STATUS!!!!!!!

I can't wait to see what kind of credit score boost I will get as a result. Do you think it will be a huge increase???

I'm so excited beyond words!!! WOW!

Re: NAVIENT removing BADDIES!!

Anonymous — Mon, 30 Mar 2015 15:47:36 GMT

Sweet!

Re: NAVIENT removing BADDIES!!

creditstalker — Mon, 30 Mar 2015 15:55:29 GMT

Here is what I have left as far as late payments:

3 (30 day late) 10/2010 ~ Closed Paid off Credit Card

1 (30 day late) 09/2014 ~ Paid off/ Closed Account

90+ (02/2015, 01/2015,12/2014,11/2014,10/2014) Charged off Credit card paid off 03/2015

1 (60 day late 11/2009) Paid off/Closed Credit Card

1 (30 day late 06/2010) Paid off/Closed Credit Card

1 (60 day late 07/2010) Paid off/Closed Credit Card

The 9 accounts with Sallie Mae (Navient) 6 (150 days late) and 3 (120 days late) in 2011 will BE REMOVED!!! YAAAY

Re: NAVIENT removing BADDIES!!

hazeboo — Mon, 30 Mar 2015 16:29:42 GMT

Awesome! Congrats!

Re: NAVIENT removing BADDIES!!

creditstalker — Mon, 30 Mar 2015 16:39:31 GMT

Thanks so much!! I can't wait to see an increase

Re: NAVIENT removing BADDIES!!

gdale6 — Mon, 30 Mar 2015 17:18:21 GMT

Grats, you should see some increase, the biggest bumps typically occur when the last derog is removed

Re: NAVIENT removing BADDIES!!

creditstalker — Mon, 30 Mar 2015 17:26:18 GMT

Thanks @ gdale6....and thank you for all of your wisdom!

Re: NAVIENT removing BADDIES!!

New_Beginning — Tue, 31 Mar 2015 16:56:02 GMT

Congrats!

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 17:06:51 GMT

Thanks @New_Beginning

I had to stay on them....they are a pain to deal with. Hopefully I will see an increase with the 6 loans 150 days late and 3 loans 120 days late. This will remove all negative marks on my student loans....Fingers crossed

Re: NAVIENT removing BADDIES!!

Creditobsessed12 — Tue, 31 Mar 2015 18:16:07 GMT

You will not see a huge increase. I had 84 lates removed across 21 accounts from 2013 and I guess since it's over 2 years old I didn't get an increase.

Re: NAVIENT removing BADDIES!!

Anonymous — Tue, 31 Mar 2015 18:39:53 GMT

Any increase is going to be dependant on what other derogs are on your account and how much positive credit pressure you've built.

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 18:47:51 GMT

@Creditobsessed12 wrote:
You will not see a huge increase. I had 84 lates removed across 21 accounts from 2013 and I guess since it's over 2 years old I didn't get an increase.

Wowwwww @@Creditobsessed12

I did the USAA credit stimulator, and based on it I should get 115 points....

I have a total of (6) 150 lates and (3) 120 lates that will be removed.....

I paid off a few collections 5 of which will be completly deleted from my report. So, after thats all deleted and collections are reported paid (so that they can stop updating ..)

I will only have 4 collections left to work on (which are fraudulent accounts that I plan sending police reports)

These will be the only derog's left:

(3) 30 day lates and (2) 60 day lates

Re: NAVIENT removing BADDIES!!

Anonymous — Tue, 31 Mar 2015 18:47:56 GMT

That is awesome. I had the same issue and I contacted Navient (which by far has better customer service that Sallie Mae) and the lady told me that they did not remove anything off credit reports. I ave verification of enrollment letter and form 1099-T for proof..... Do you mind forwarding me the info/number you used????

Re: NAVIENT removing BADDIES!!

tiger_uppercut — Tue, 31 Mar 2015 18:53:40 GMT

@creditstalker wrote:
@Creditobsessed12 wrote:
You will not see a huge increase. I had 84 lates removed across 21 accounts from 2013 and I guess since it's over 2 years old I didn't get an increase.

Wowwwww @@Creditobsessed12

I did the USAA credit stimulator, and based on it I should get 115 points....

I have a total of (6) 150 lates and (3) 120 lates that will be removed.....

I paid off a few collections 5 of which will be completly deleted from my report. So, after thats all deleted and collections are reported paid (so that they can stop updating ..)
I will only have 4 collections left to work on (which are fraudulent accounts that I plan sending police reports)

These will be the only derog's left:
(3) 30 day lates and (2) 60 day lates

You will see an increase on 120 and 150 day lates. Anything 90 days and above continue to hurt until they fall off. 30 and 60 day lates hurt less and less over time (stop hurting at 2 years), so if it's been awhile since 30 and 60 day lates were on your CR at the time of removal, the increase will be minimal, if any.

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 19:07:21 GMT

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 19:05:13 GMT

I know I put alot of information about myself out there....but I'm trying to get all of the help and advice that I possibly can. lol

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 19:10:31 GMT

I called the main number 1888-272-5543

Re: NAVIENT removing BADDIES!!

camera_jen — Tue, 31 Mar 2015 19:14:29 GMT

@Anonymous wrote:
That is awesome. I had the same issue and I contacted Navient (which by far has better customer service that Sallie Mae) and the lady told me that they did not remove anything off credit reports. I ave verification of enrollment letter and form 1099-T for proof..... Do you mind forwarding me the info/number you used????

I'm having a similar issue with Navient. They dinged me at the end of a forebearance, which wasn't entirely my own fault and not entirely theirs either, but they won't budge on taking it off.

Re: NAVIENT removing BADDIES!!

Anonymous — Tue, 31 Mar 2015 19:56:49 GMT

@camera_jen wrote:
@Anonymous wrote:
That is awesome. I had the same issue and I contacted Navient (which by far has better customer service that Sallie Mae) and the lady told me that they did not remove anything off credit reports. I ave verification of enrollment letter and form 1099-T for proof..... Do you mind forwarding me the info/number you used????
I'm having a similar issue with Navient. They dinged me at the end of a forebearance, which wasn't entirely my own fault and not entirely theirs either, but they won't budge on taking it off.

Same here. There was a paperwork snafoo (what I was sending in wasn't "sufficient") and I kept falling in/out of forebearance and never hitting deferment. I've got sixteen lates on 2 accounts over the course of 4 years, and they aren't budging with GW requests.

Re: NAVIENT removing BADDIES!!

creditstalker — Tue, 31 Mar 2015 19:28:06 GMT

I got mine removed because I was in school at the time they reported me late. I'm not for certain how the forbearance works, but I know one thing the interest rates on 6 of my loans is a a darn 6.8% which is RIDICULOUS!