Direct Loans lates removed??? Maybe

Anonymous · ‎03-25-2013

I have 6 direct loans that have lates on them. After reading some advice on these forums I have taken the steps to try to get the lates removed. Today I pulled my EX report and they all show as ND now. Is this a success? Will it help/hurt my score?

Anonymous · ‎03-26-2013

IMO a No Data is better than a 30days late... No Data doesn't help/ hurt your score...

Shogun · ‎03-26-2013

It is a definite win!!!!! No data doesn't count for or against you. That is now a clean TL. Congrats!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Anonymous · ‎03-26-2013

What was your process in getting this accomplished? Thank you

Anonymous · ‎03-26-2013

I did a dispute through the FSA ombudsman 3/21. They called me 3/22. Was updated on my cbr's 3/25! My loans are current repayment. I had 6 loans with 120 days on them removed.