topic Re: Question regarding rehabbed student loans, original loans in Student Loans

Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 08:52:34 GMT

So I did some searching but this is confusing, while I understand that lates and trade lines do not get removed, it seems that my original loans, I just pulled my free annual report via equifax, but my original student loans that were rehabbed are still reporting as open and past due, these loans have been rehabbed and are being repaid through nelnet and have been for 14 months, if this is not right I will pull all three accounts and take a gander at them to see if that's the same, while I do appreciate 6 accounts that are almost 5 years old it's making me scratch my head why my original rehabbed loans say open and past due!!

Thanks everyone, let me know if you need more info incase I made no sense or if I need to post the screenshot from my annual report.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 16:09:30 GMT

No one?

Re: Question regarding rehabbed student loans, original loans

Anonymous — Wed, 08 Apr 2015 17:05:58 GMT

At minimum the original TLs should have any negatives that happened after default removed, as well as the default status, and it should be listed as closed/paid as agreed. I believe they have up to 90 days to update your CR. I disputed my old TLs after my loan was picked up and they were removed completely.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 20:51:20 GMT

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 17:23:08 GMT

@Anonymous wrote:
At minimum the original TLs should have any negatives that happened after default removed, as well as the default status, and it should be listed as closed/paid as agreed. I believe they have up to 90 days to update your CR. I disputed my old TLs after my loan was picked up and they were removed completely.

I posted a picture,mits my first time and from a iPad at that. Should I dispute these lons? I only posted one of them but the other is the exact same except for less. And if so should I contact Fedloan servicing or should I go straight to the credit bureau itself?

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 20:48:23 GMT

Still no other help?

Re: Question regarding rehabbed student loans, original loans

Anonymous — Wed, 08 Apr 2015 22:07:37 GMT

@Cookie2120987 wrote:
@Anonymous wrote:
At minimum the original TLs should have any negatives that happened after default removed, as well as the default status, and it should be listed as closed/paid as agreed. I believe they have up to 90 days to update your CR. I disputed my old TLs after my loan was picked up and they were removed completely.
I posted a picture,mits my first time and from a iPad at that. Should I dispute these lons? I only posted one of them but the other is the exact same except for less. And if so should I contact Fedloan servicing or should I go straight to the credit bureau itself?

If it has been 90 days since you made your 9th payment you can dispute it. I recommend disputing it directly with the CRA, but that's just my preference. I did it that way because I knew that my OC wouldn't respond and my dispute would be successful.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Wed, 08 Apr 2015 22:10:30 GMT

@Anonymous wrote:
@Cookie2120987 wrote:
@Anonymous wrote:
At minimum the original TLs should have any negatives that happened after default removed, as well as the default status, and it should be listed as closed/paid as agreed. I believe they have up to 90 days to update your CR. I disputed my old TLs after my loan was picked up and they were removed completely.
I posted a picture,mits my first time and from a iPad at that. Should I dispute these lons? I only posted one of them but the other is the exact same except for less. And if so should I contact Fedloan servicing or should I go straight to the credit bureau itself?
If it has been 90 days since you made your 9th payment you can dispute it. I recommend disputing it directly with the CRA, but that's just my preference. I did it that way because I knew that my OC wouldn't respond and my dispute would be successful.

Thanks so much for the reply. so I am right about the trade lines being incorrect? They should say closed or something more specif? I have already done all my payments to rehab it and been with nelnet for well over that amount now.

Re: Question regarding rehabbed student loans, original loans

Anonymous — Wed, 08 Apr 2015 22:15:50 GMT

They should say closed and all negatives after the default should be removed, and the status should be paid as agreed.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Thu, 09 Apr 2015 00:05:57 GMT

@Anonymous wrote:
They should say closed and all negatives after the default should be removed, and the status should be paid as agreed.

Thanks so much! When I get home later tonight I'll post a few other shots because I'm not excatly sure when they defaulted or when it counts but when I was first contacted it was at the first 180 day late I believe. Thanks for the info and I'll pull my other reports later tonight.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Thu, 09 Apr 2015 08:05:10 GMT

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Thu, 09 Apr 2015 08:10:06 GMT

Okay, so the first is the two random ones that Fedloan servicing made and than the one from nelnet, since I got off so late I'm going to pull them tomorrow, this is going to be my first dispute and I'm worries about messing up. Between the three images what else besides the open and past due status can I dispute? Can I dispute any of the latest? Even loosing one or two will really help, like I said I'm kinda adds red and this is going to be my first time doing this. I just don't want to mess up

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Thu, 09 Apr 2015 20:12:17 GMT

I feel like I'm spamming but anyone...?

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Fri, 10 Apr 2015 02:34:17 GMT

I disputed them being open and late in experian, both Transunion and Equifax say they are closed and deferred though. All three have lates up to 330 days, would I be able to dispute the last 60 days since the cut off is 270?

Re: Question regarding rehabbed student loans, original loans

SCF — Fri, 10 Apr 2015 03:22:23 GMT

@Cookie2120987 wrote:
I disputed them being open and late in experian, both Transunion and Equifax say they are closed and deferred though. All three have lates up to 330 days, would I be able to dispute the last 60 days since the cut off is 270?

Really, you can dispute whatever you want. It's generally not all that helpful to dispute lates that are accurate, and it's also dishonest. Once you have rehab'd, the original tradelines should not show a negative status, and any of the comments that relate to the default (like "assigned to the gov't") should be removed. It seems like your loans were never updated when they defaulted, or the status update after your rehab just wasn't done properly.

Have you tried contacting Nelnet and letting them know that you complated rehab, and these loans need to show as closed/transfered? They may be able to push an update to all three CRAs to get the status consistent across your reports.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Fri, 10 Apr 2015 06:31:47 GMT

@SCF wrote:
@Cookie2120987 wrote:
I disputed them being open and late in experian, both Transunion and Equifax say they are closed and deferred though. All three have lates up to 330 days, would I be able to dispute the last 60 days since the cut off is 270?
Really, you can dispute whatever you want. It's generally not all that helpful to dispute lates that are accurate, and it's also dishonest. Once you have rehab'd, the original tradelines should not show a negative status, and any of the comments that relate to the default (like "assigned to the gov't") should be removed. It seems like your loans were never updated when they defaulted, or the status update after your rehab just wasn't done properly.

Have you tried contacting Nelnet and letting them know that you complated rehab, and these loans need to show as closed/transfered? They may be able to push an update to all three CRAs to get the status consistent across your reports.

Don't get me wrong, I'm not trying to get the lates that I am at fault removed from my credit report, but I was contacted in May of 2012, I remember this because I was 4 of my 8 weeks into my management training when they called my work and I began the whole rehab process, the entire process and reporting has mr so confused because none of th dates make sense and after looking in more detail it feels like the tacked 3 extra 180 day lates because I didn't start physically paying till the beginning of July when I got my raise, I will try to contact Nelnet but when I tried Fedloan servicing they were beyon worthless and took way to long to get back to me, thanks fir the reply. Really appreciate it and sorry if I ounc rude, I'm just mad at this whole situation, I wad 1i and just signing papers and papers, I thought all I had loan wise was sallie Mae, everything else to get this loan all I did was sign a paper my school filled everything out for me on site. But I wa a naive 18 year old abc thought I knew everything and believed everything I was told as I said and I'm paying for it still.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Sun, 12 Apr 2015 07:19:02 GMT

i contacted nelnet regarding the mistakes when my student loan was rehabbed, as well as the one being open, none of the accounts say paid as agreed, all are listed as being assigned to the government, I also emailed Fedloan servicing asking for a goodwill on the lates which fail off in the next 36 months a long shot that probably won't work but I tried and that is what matters, I should have mentioned my deli a with the accounts being mi stanly reported but the last two times I've contacted Fedloan they said they will not change anything, which is why I said the goodwill probably won't work, I plan to call nelnet Monday and see if I can expedite because I really don't want to do three different disputes regarding these but after doing some searching around on here and google it seems that Fedloan is a real tricky cookie with removing and most people have to file disputes, we will just have to wait though and see, maybe my Experian dispute won't even need to be finished after nelnet steps in but only time will tell.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Tue, 14 Apr 2015 01:28:33 GMT

Update!!!!! Went through nelnet, which gave me a number to the department of education, which than transferred me to 3 other numbers and places od course though right? Finally got ahold of someone from a weird number with department of education who swore to me that they always update and every one of there accoubts and if the reporting agency didn't get it right than I havw to dispute it with ALL THREE CRA'd he assured me all three where reported to correctly and the department of education and fedloan servicing could do nothing for me. Looks like I'm going g to have to dispute them now.

Re: Question regarding rehabbed student loans, original loans

Cookie2120987 — Tue, 14 Apr 2015 01:42:57 GMT

Transunion has all four accounts listed as closed, no balances but the gentleman assured me the comment deferred to the government was okay in my case because the balance was at $0, is this right or should I do a online dispute? The main thing killing my Transunion is the colectionary which has not been removed yet but has from the other 2