Help removing old accounts and late payments

[Harmony12]

The below accounts are expected to be removed within 8 – 16 months. I have labeled each account according to CRA. Please advise on early deletes.

TU	EQ	EX
Entergy – 8/2019	Entergy  - DoD 9/1/2012	Entergy shows as first reported 2/2015; however that is when I paid the CO
USAA Savings Bank – 3/2020	USAA Savings Bank – DoD 4/1/2013
CMI -  12/2019	CMI – date unknown	CMI Management – 10/2019
First Premier Bank – 4/2020	First Premier Bank – DoD 5/1/2013	First Premier Bank – 3/2020

Also, I have 2 federal student loan accounts that reports lates to all 3 credit bureaus as follows:

4/12	90
5/12	120
6/12	120
7/12	120
8/12	120
9/12	120
10/12	120

Is there a way to get these lates removed?

[dynamicvb]

You can do an EE on TU at 6 months out, EX is 3 months out, and EQ is a month early. I don't think you can do EE's for the lates, but the good news is that from what I've read since they are all in a consecutive line when the 90 falls in April, they should all fall off. Perhaps someone of the experts can verify, but that is was the consensus I've read on lates. If all those fall in April, then that may be a decent boost.

[Harmony12]

dynamicvb,

What should I do about the incorrect reporting of EX?  ...Entergy shows as first reported 2/2015; however that is when I paid the CO

[dynamicvb]

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@Harmony12 wrote:

dynamicvb,

What should I do about the incorrect reporting of EX?  ...Entergy shows as first reported 2/2015; however that is when I paid the CO

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I'm not sure about that. If you start to open an online dispute with EX, then it will show you the date the account is scheduled to fall off. You don't have to complete the dispute( and you shouldn't if its valid), but this is a good way I've found to determine the exact month an account will fall. The date for exclusion should be the same or close to the other ones depending on when the DoFD was reported. you can't always go by the information presented in the report frontend, such as Credi Karma or even myFico. If you have an annualcreditreport.com available you can also get it off those reports.

[Harmony12]

haha funny that you mention annualcreditreport.com because that is where I got all of my information from. I noticed even it missed some information.

[Harmony12]

So I disputed the Entergy account with TU yesterday and it was deleted. However, my TU score went down -6 points.

I also disputed the same Entergy account with EX and they instead updated it for March 2019. This caused my score to go down -24 points.

Any help and/or advise is greatly appreciated.

[RobertEG]

As for the federal student loan delinquencies, the Higher Education Act includes provisions exempting certain federal student loans from any of the normal credit report exclusion provisions until they are paid, and also requiring reporting of delinquencies to the CRAs.

If your federal student loan is covered by any of the Higher Education Act provisions, then you cant get good-will removal of derogs, and they can continue to post until the loan is paid without any exclusion date.

[Anonymous]

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@RobertEG wrote:

If your federal student loan is covered by any of the Higher Education Act provisions, then you cant get good-will removal of derogs, and they can continue to post until the loan is paid without any exclusion date.

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I have been paying on my student loans since 1999 and they will all be paid in full in September. I do have a few late pays in my history so would sending a GW letter to the company that ownes my student loans be a waste of time?  Three or four years ago the company that owned my student loans sold them to the company that ownes them now, from what I was told it was because the balance owed fell under a minimum threshold and they no longer wanted to own them. After the loans were sold the trade line from the origional owner vanaished drom my credit report without me ever even asking.

[gdale6]

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@Anonymous wrote:

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@RobertEG wrote:

If your federal student loan is covered by any of the Higher Education Act provisions, then you cant get good-will removal of derogs, and they can continue to post until the loan is paid without any exclusion date.

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I have been paying on my student loans since 1999 and they will all be paid in full in September. I do have a few late pays in my history so would sending a GW letter to the company that ownes my student loans be a waste of time?  No, especially if they were greater than 30 days

Three or four years ago the company that owned my student loans sold them to the company that ownes them now, from what I was told it was because the balance owed fell under a minimum threshold and they no longer wanted to own them. After the loans were sold the trade line from the origional owner vanaished drom my credit report without me ever even asking.

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[Harmony12]

I disputed the Entergy (utility) account that has been on my credit report since Feburary 2012. I was successful with TU doing a deletion. However, EX continues to just update with a new month instead doing a full investigation. These updates continue to make my score drop 20+ points. I did the disputes online. I haven't been able to reach anyone via phone to speak to someone. I would really like this off my report especially when it's past due for the time. Please help me proceed.