Navient Removal Question

[Anonymous]

Not really a rebuild question, but Im not sure where it goes.

I was able to get Navient removed from my Equifax credit report. Sent the same information to Transunion and Experian but they have yet to remove the same exact info. Thats basically causing mt to have a 84% payment history. Would I be able to send a copy of the Equifax results to the other beareus to have it removed?

[Anonymous]

I don't think it hurts to try. Send them a copy, I say

[Anonymous]

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@Anonymous wrote:

Not really a rebuild question, but Im not sure where it goes.

I was able to get Navient removed from my Equifax credit report. Sent the same information to Transunion and Experian but they have yet to remove the same exact info. Thats basically causing mt to have a 84% payment history. Would I be able to send a copy of the Equifax results to the other beareus to have it removed?

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Are the lates 7 years old?

Or is the account to be removed because the DoFD was 7 years ago or close?

If it is close, you can do EE on TU 6 months early, EX 3 months early, and do nothing with EQ, it will likely fall off on it's own a little before the 7 years mark.

Or why do you think the account should be removed?

Did you do rehab because the account was defaulted?

If the lates and account are not near the 7 year DoFD mark, then there is no reason for the lates/whole account to be removed. If you dispute it, they may initially remove it and then place it back on your credit with further lates (as they don't initially place 30/60 day lates).

Was the account in retroactive forebearance/deferement? Than in that case they may not remove them or they may.

We really need more info on why you think the account need to be removed to help you other than just wanting it removed.

Good luck!

Edit: to answer your exact question - no.

Other credit bureaus will not remove info just because another one did. They each do their own individual investigation and request information for Navient or whoever holds the account info you are disputing.

[Anonymous]

The accounts were in default because I did not pay - with that being said the loans were also taken out falsly in my name.

I was recieving VA benefits at the time and there was no reason to take out any student loans. I provided all 3 CB's with the same information via snail mail  in February and only recieved results from Equifax.

Im assuming that they went through the whole forbarance/defferment phase but I was never notified, had garnishments, or tax refund offset.

Just clueless as to how one can verify as accurate and one could delete. Again I only have the results from Equifax.

Ass it is reported not the lates are 120 days as it was just put on in November (score never dropped). Even with 14 lates times 7 accounts I was at 705 fico, now 695 cause of recent inquires

[Anonymous]

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@Anonymous wrote:

The accounts were in default because I did not pay - with that being said the loans were also taken out falsly in my name.

I was recieving VA benefits at the time and there was no reason to take out any student loans. I provided all 3 CB's with the same information via snail mail  in February and only recieved results from Equifax.

Im assuming that they went through the whole forbarance/defferment phase but I was never notified, had garnishments, or tax refund offset.

Just clueless as to how one can verify as accurate and one could delete. Again I only have the results from Equifax.

Ass it is reported not the lates are 120 days as it was just put on in November (score never dropped). Even with 14 lates times 7 accounts I was at 705 fico, now 695 cause of recent inquires

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Then disputing alone by saying it was not your account will not resolve this.

And don't get too excited. Just because one deleted *for now*, does not mean that after they finish investigating that they will not put it back onto your CRs.

SLs are the most difficult tyes of credit to get off of ones CRs.

yes, when you disputed the account the first time they dumped on late payments, that is what they do.

How old are these accounts?

seems strange to have 7 SLs with zero knowledge of them.

You need to file a police report for identity theft for supporting documentation to submit to the 3Bs.

So I would search how to deal with fraudulent accounts.