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How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbed?

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Established Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Quick update on mine I had all mine removed from my Experian report as of yesterday .. Now waiting for TransUnion to follow suit and then Equifax.
As of May 15 2019:


Message 11 of 20
Valued Contributor

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe


@tk-2018 wrote:
Quick update on mine I had all mine removed from my Experian report as of yesterday .. Now waiting for TransUnion to follow suit and then Equifax.

Congrats!!

Oct 2019


Garden goal: keep on keepin' on
Usually a faithful practitioner of AZE5or6or7; working on AZE1or2 and grumbling about it.
Message 12 of 20
Valued Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Wow TK!!!! That's super encouraging, did you call or write a letter?  I'm going to make my call very soon, I was working up the nerve to do it.

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Message 13 of 20
Established Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

As of today TransUnion also removed mine so now both those bureaus are much higher than they were. I been cleaning my reports up through 609s or a letter similar to that.
As of May 15 2019:


Message 14 of 20
Valued Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Hey TK, what is a 609?  Is there a template online anywhere?

 

Thanks!

FICO 8 Experian : 685

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Message 15 of 20
Established Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Yes if you do a google search you can find them they key is you gotta use them the correct way.
As of May 15 2019:


Message 16 of 20
Established Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Hey, I had the same issue of 7 loans that were in def at the time report 90 days late. I tried disputing it 3 times with each CRA and still no luck getting it removed. I even have the loan documents showing all 7 loans were in def at the time they reported the lates. There were all Sallie Mae loans from 2013. Any ideas what to do next?

Message 17 of 20
Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Hi!! This is incredible! 

 

i'm looking to remove mine can you please provide any info! I need a little help! they aren't budging smile.

Message 18 of 20
Member

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

Hello!

 

Any insight...I have 9 accounts that are currently deferred but have late payments on my credit....any insight you have that could help me contact the right people to get mine removed would be so appreciative. 

 

thanks 


@tk-2018 wrote:
As of today TransUnion also removed mine so now both those bureaus are much higher than they were. I been cleaning my reports up through 609s or a letter similar to that.


be so appreciative . 

Message 19 of 20
Legendary Contributor

Re: How to Remove Navient and Sallie Mae Negative Information now that Student Loan has been Rehabbe

As noted in an earlier reply, the Higher Education Act includes provisions that both require creditors/servicers to report derogs to the CRAs and also removes any of the normal exclusion periods for those derogs that are provided for under the FCRA until the loan has been repaid.

 

If your federal student loan is of a type that is designated under the Higher Education Act, then they cannot grant good-will exclusion of derogs, and the derogs will not become excluded under the provisions of the FCRA until the loan has been paid.

 

Rehabbing removes the separate reporting of a prior default status, but does not also mandate removal of derogs or subject them to the credit report exclusion provisions of the FCRA if the loan is of a type covered under the provisions of the Higher Education Act.

Message 20 of 20
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