topic Re: Navient Student Loans Disappeared From Credit Report in Student Loans

Navient Student Loans Disappeared From Credit Report

UpInSmoke — Wed, 22 Jan 2020 16:35:36 GMT

Hello MF Friends,

I was just looking at my credit report and noticed that the student loans that have only ever been reported on Equifax were no longer on my credit report. How weird! I haven't paid them off, so I'm wondering why they disappeared. Anyone have experience with this?

I'm sure they'll reappear unless some rich uncle (that I don't have) decided he was going to pay them off and didn't let me or Navient know. LOL! I'm very curious and interested to hear if anyone else have had this happen.

TIA!

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Wed, 22 Jan 2020 16:38:45 GMT

ME!! I just made a whole post about it. I have navient and they are gone from my Experian report. I checked back to December 9 when I last paid for all three and they aren't showing there either but they ARE showing on Transunion and Equifax on Credit Karma but on my transunion report on my discover card they aren't showing there either... this is weird. I filed borrowers defense and thought it may have something to do with that. All my loans were consolidated through navient

Re: Navient Student Loans Disappeared From Credit Report

UpInSmoke — Wed, 22 Jan 2020 16:42:15 GMT

@Anonymous wrote:
ME!! I just made a whole post about it. I have navient and they are gone from my Experian report. I checked back to December 9 when I last paid for all three and they aren't showing there either but they ARE showing on Transunion and Equifax on Credit Karma but on my transunion report on my discover card they aren't showing there either... this is weird. I filed borrowers defense and thought it may have something to do with that. All my loans were consolidated through navient

@Hippiechickens2022 That is weird, huh!? Something is going on over there at Navient...not sure what though. Keep us posted if/when you hear anything and if/when it changes. I have to believe there are many others too!

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Wed, 22 Jan 2020 17:00:57 GMT

@UpInSmoke wrote:
@Anonymous wrote:
ME!! I just made a whole post about it. I have navient and they are gone from my Experian report. I checked back to December 9 when I last paid for all three and they aren't showing there either but they ARE showing on Transunion and Equifax on Credit Karma but on my transunion report on my discover card they aren't showing there either... this is weird. I filed borrowers defense and thought it may have something to do with that. All my loans were consolidated through navient

@Hippiechickens2022 That is weird, huh!? Something is going on over there at Navient...not sure what though. Keep us posted if/when you hear anything and if/when it changes. I have to believe there are many others too!

It is really weird. I logged into navient and my loans still show there but I am in administrative forebearance until a decision is made on my borrowers defense claim. So essentially I am in forebearance until 2030. That usually doesn't cause the whole trade line to disappear. It is very weird you are experiencing the same thing with the same loan servicer

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Wed, 22 Jan 2020 19:59:47 GMT

ok this just gets weirder.... I found it on my experian finally and it shows paid and closed with the remarks student loan payment defferred... I have been in defferment before and its never posted as paid and closed...

Re: Navient Student Loans Disappeared From Credit Report

UpInSmoke — Wed, 22 Jan 2020 20:52:23 GMT

@Anonymous wrote:
ok this just gets weirder.... I found it on my experian finally and it shows paid and closed with the remarks student loan payment defferred... I have been in defferment before and its never posted as paid and closed...

Whoa! I don't trust Navient. Too much bad press for me to believe they're ever up to anything good. I guess we have to be very vigilant on these types of matters. It surely didn't happen for no reason...

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Wed, 22 Jan 2020 20:58:52 GMT

@UpInSmoke wrote:
@Anonymous wrote:
ok this just gets weirder.... I found it on my experian finally and it shows paid and closed with the remarks student loan payment defferred... I have been in defferment before and its never posted as paid and closed...
Whoa! I don't trust Navient. Too much bad press for me to believe they're ever up to anything good. I guess we have to be very vigilant on these types of matters. It surely didn't happen for no reason...

I know I have a defferment from my Borrowers defense claim. However, being in defferment has never removed the trade line and showed it paid and closed. BUT... it was never done before under borrowers defense... so I am for real confused.

Re: Navient Student Loans Disappeared From Credit Report

UpInSmoke — Wed, 22 Jan 2020 21:04:24 GMT

@Anonymous wrote:
@UpInSmoke wrote:
@Anonymous wrote:
ok this just gets weirder.... I found it on my experian finally and it shows paid and closed with the remarks student loan payment defferred... I have been in defferment before and its never posted as paid and closed...
Whoa! I don't trust Navient. Too much bad press for me to believe they're ever up to anything good. I guess we have to be very vigilant on these types of matters. It surely didn't happen for no reason...
I know I have a defferment from my Borrowers defense claim. However, being in defferment has never removed the trade line and showed it paid and closed. BUT... it was never done before under borrowers defense... so I am for real confused.

Yeah. That doesn't make a lot of sense to me. But, I'm a very logical person lost in a world devoid of common sense...so, needless to say, almost everything makes no sense to me...LOL!

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Fri, 24 Jan 2020 22:12:04 GMT

@UpInSmoke wrote:
@Anonymous wrote:
@UpInSmoke wrote:
@Anonymous wrote:
ok this just gets weirder.... I found it on my experian finally and it shows paid and closed with the remarks student loan payment defferred... I have been in defferment before and its never posted as paid and closed...
Whoa! I don't trust Navient. Too much bad press for me to believe they're ever up to anything good. I guess we have to be very vigilant on these types of matters. It surely didn't happen for no reason...
I know I have a defferment from my Borrowers defense claim. However, being in defferment has never removed the trade line and showed it paid and closed. BUT... it was never done before under borrowers defense... so I am for real confused.
Yeah. That doesn't make a lot of sense to me. But, I'm a very logical person lost in a world devoid of common sense...so, needless to say, almost everything makes no sense to me...LOL!

When it comes to student loans none of it makes sense...... maybe later as people get on we may get some sort of idea of whats going on but at the moment it looks like its just us that is having this issue. IDK that its an issue at the moment but if the trade line hits again its liable to be a b***h to my score... IDK... but I have NEVER seen things go like this

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Sun, 26 Jan 2020 16:48:02 GMT

My suggestion would just be to check there NSLDS website it call Dept of Education and make sure the status is still the same.
If it is the next official step would be to file a complaint with the student loan Ombudsman. It you could go straight to the second complaint which would be with the Consumer Financial Protection Bureau (CFPB). You'll upload a PDF of every single thing you can find relating to this to paint a complete picture. You should get a response.

Re: Navient Student Loans Disappeared From Credit Report

UpInSmoke — Wed, 05 Feb 2020 14:06:03 GMT

@Anonymous wrote:
My suggestion would just be to check there NSLDS website it call Dept of Education and make sure the status is still the same.
If it is the next official step would be to file a complaint with the student loan Ombudsman. It you could go straight to the second complaint which would be with the Consumer Financial Protection Bureau (CFPB). You'll upload a PDF of every single thing you can find relating to this to paint a complete picture. You should get a response.

Thanks @Sabii. Magically, my SLs showed back up on my report. Kind of weird that they disappeared and reappeared. It is what it is.

Re: Navient Student Loans Disappeared From Credit Report

Anonymous — Fri, 22 Jan 2021 16:01:29 GMT

Just saw all of your posts and wanted to let you know that I was checking on my son's student loans and had messaged them about a payment plan we had in place and they told me that they were no longer his servicer. I asked what they meant by that and they said that the balance was paid off because his loans had been sold to another servicer but she could not tell me who it was. I told her we had not been notified at all. She gave me this number to call 1-888-272-5543 Mon-Fri to find out details because she couldn't give me any more information. This sounds like what might have happened to all of you also. Better to check and find out so you are not late on anything. Unfortunately they are able to sell them to other servicers without beforehand notice which I feel is wrong. As much as I would love to hope someone paid his off we all know we aren't that blessed Hope this helps.

Sheila

Re: Navient Student Loans Disappeared From Credit Report

MasonK — Fri, 22 Jan 2021 23:51:22 GMT

Funny you should ask- I just noticed and posted that my negative items from 3 different SLs vanished off my EX report in September. Still showing up on the other CRAs, though. Mine weren't Navient, though. ACS/SLFU which I think was bought by NelNet, and two FedLoan Servicing accounts.