should i make a call??...

[j_casteel]

Last month or so I emailed the Bursar's office at the univerisity i use to attend about a possible GW on some 30 day lates. The manager emailed me back stating that she does not see any lates on my account and that i should dispute the information with the CRA's. I decided to just copy and paste the account summary that showed I had 3 30 day lates. She decided to call me and we talked about the situation and she was finally able to locate the correct info in her records, but she still said the CRA's were reporting the lates in the wrong months and that I should still dispute the info since I haven't had any lates in over a year. 

Well, a few days ago I decided to dispute the info while I was thinking about it again. Today I updated my credit karma and it didn't show that loan on my report anymore and a big decrease in my ammount owed to student loans. I didn't think it was accurate so I updated my AMEX CreditSecure, and it showed the same thing. The loan was gone again. I wanted to be sure of this; so I decided to spend a few bucks and update myFICO SW as well. It shows the exact same thing! I can't find that loan anywhere on my reports after making that dispute a few days ago....so what happened? 

I logged on to the payment site (ECSI) and my account was still on there and since I had a payment due today I decided to just pay it because I didn't want some glitch in the system cause me to not make a payment and then become late. I figured if its been removed and they closed it then it would show that ECSI too wouldn't it? Or should I just call the lady at the Bursar's office again and ask her if it has been removed? 

I'll be honest, I don't mind at all that its been removed b/c that removes all the most recent lates i have plus gets rid of an installment loan reporting. I just want to make sure the account has been closed. I guess if the money is taken out of my account then its still open, but if they either do not make take the payment or send me a check back then its been closed and removed. 

I just don't know how disputing the late payments months gets the loan removed from all 3 CRA's??

[j_casteel]

BTW, I'm not sure if this is the main cause (most likely is though) but my score jumped 43pts with this new report i pulled today. 

[j_casteel]

>>> We have researched the credit account. Account # - XXXXXX* The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact:  Student Loans Department at Your University. 

What the heck!

I guess that answers my questions....I just checked my email and Equifax sent me an email saying they completed my dispute! The account has been deleted from my credit file...so what does that mean about payments?

[j_casteel]

I decided to put this in the rebuilding credit forum....thanks. 

[Anonymous]

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@j_casteel wrote:

I'll be honest, I don't mind at all that its been removed b/c that removes all the most recent lates i have plus gets rid of an installment loan reporting. 

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Since when is an installment loan reporting a bad thing?

The 43 point increase is most likely due to the lates that were with the TL and not the removal of the TL.

IMO, I think you messed up.  You only meant to have to lates GW'd not have to entire TL removed.

[llecs]

Locked thread to direct others here:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Disputed-lates-and-account-completely-deleted...