Finished SL Rehab UPDATE!!

[Aduke1122]

Well the collections account is the one that will show that you went to default , any lender just looking at your credit reports would know if you were 120 plus days late for so many mths and it was closed or transferred they would know it was defaulted so its very important to try to get them lates off of your reports . Now the only lates you will have a shot at removing are the ones that directly led to default anything prior to that would have nothing to do with it.

And yes JMCB it's so crazy , I don't know why they don't have a set guideline of how they remove things once someone is done with thier rehab . I have the copy of my conversation with GL so I will submit it to EX if they don't disappear very soon ,.just ready for it to be done with. I know you guys are too . Good luck you guys keep me posted .

[Anonymous]

ok well the navient lates like 12 times was the cause of the default,i was never late before,im just seriously doubting they come off with navient.ive called several times and emailed 2 times asking about lates removed after rehabb ,they said that the lates always stay on unless you can get credit bureaus to remove sooner.ive disputed them all if it doesnt work ill try few more times,just trying to get a house next year,if i can get 660 score id be thrilled

[Aduke1122]

I hear ya , try reaching out to them on social media , thats what I did and it worked . Just send them a message thru their FB page and explain your situation and the reason why you defaulted and that you have now rehabbed and would like to buy a house soon but that these lates are seriously holding your credit score down . It's worth a shot.

[Anonymous]

well had 7 navient lates,6 went to ecmc for rrehab and they removed there account other 1 went to ISAC and i rehabbed,they say all they do is change in collections to collections paid which doesnt help much,i disputed all 7 navients after rehab,and all 7 are still on credit report showing lates.guess im stuck with the dang things.ive wrote goodwill letters and just done navient facebook message.i always have crappy luck.congrats on the people who got them  removed great job.is there a company like lexington law or someone else to help get these lates removed and the isac collection removed? im EQ636TU606EX628 got only 2 more medical collections to get pay for delete which i think i can do,got 28 year old account in good standings,6 navient loans in good standing,7 navient loans with 120 days late 12 per loan,the isac collection whic states paid collection,12% debt ratio,2 credit cards of hubbys im authorized with and gona try and get my own soon.just wondering if i have a shot at buying a house like april of next year or should i just give up for 7 dang years or 10 years for navient to fall off.thought i was doing good navient slapped me hard

[Aduke1122]

That collections account should not be there PERIOD IF IT'S PART OF YOUR REHAB DEFAULTED LOANS, I would contact the Dept of Ed and ask them why they have not removed that collections from your reports ? I know the lates being removed is ify but the collections account is most definitely supposed to be taken off for sure . Keep at them and don't give in , this is your credit your talking about so they don't care but you have to if you want it clean .

[Anonymous]

k thanks ill do that cause on report it shows collection /charge off with 13 lates like i never paid,makes no since,i called them right after rehab and thye said they would remove it totally from my credit report,but i call navient and they said the same dang thing too,federal student loans are so crazy they all lie.if i can get my middle score to 640 660 ill be good.havent given up yet,navient just pissing me off bad.if i can get the collection student loan off i know i can get the 2 medical bill collections off by paying them all my deragotory accounts will be gone.what do i do write the dept of ed or call them.souds like you done it before u got a number or name

[JMCB]

Well, I just found out the dispute route isn't always the best option. The goodwill letter through social media might be the better route. I'm going to try that tonight. Today, I just got an alert from Equifax stating Great Lakes added back my lates that were removed a week ago. 60 point drop today! I was so happy because Experian and Equifax removed everything and I finally had a clean report. But for some reason today, it shows my accounts were updated and all the lates are back on there. So I guess disputing isn't always the best option. Hopefully the Facebook route works. Let's all keep trying and dont give up! They have to give in at some point! haha

[Aduke1122]

Call this number they handle all default SL stuff , explain to them that you have rehabbed and were told that the collections acct would be completely removed and it is still there .
Telephone - Default Resolution Group. Please call us at 1-800-621-3115 (TTY: 1-877-825-9923) for questions regarding your defaulted student loan account.

Let me know how it goes !

[JMCB]

I will definitely do that! Thanks for the number! I'll let you know how it goes. I refuse to give up. Whats so sad is, I just applied for a car loan and got approved. I was going to go this Saturday and sign the paperwork. I doubt the loan paperwork will go through now. But I'm keeping my fingers crossed!

[Aduke1122]

This is so frustrating to hear , 60 Pt DROP omg I know that one HURT !! Keep fighting the good fight ! Definitely try the FB message first , I had good luck with that . So hoping you will too . Like I said bf my lates never came off thru my disputes . It wasn't until I reached out to GL on FB that I learned they just had put in to have all lates removed . Maybe they just work on their OWN TIME lol