Hey all, was looking into my student loans, specifically one I had back in 2014 that I forgot to defer and missed payments on as a result. I reecntly contacted FedLoan and they said would be e-mailing me the general forebearance letter that was approved for it from 12-31-13 to 12-31-14. Would I have any chance of giving Experian, et al, that letter once it's sent to me to dispute the lates to get them removed, or would I need to pester FedLoan about it?
Bumping this since it's still relevant.
I've uploaded the documents to Experian and received my results today, accounts say updated yet no change was made to the late payments. I don't even know what they updated. I submitted them to Equifax and TransUnion last week since I forgot about those. I'm pretty peeved with Experian since that score is nearly 100 points lower than the other two for some reasonm, yet everything is the same between all three.
Is it worth just mailing them the copies of the FedLoan letters, along with a short statement of what I'm actually wanting done since it seems like their online dispute system is nearly worthless considering they don't leave a small paragraph of explaining their reasoning?
I would - it might be a shot in the dark, but you don't have anything to lose.
Small update. Equifax and Transunion appear to have removed the lates with the same info I provided to Experian. Experian still won't budge, so I opened a CFPB complaint around October 14th. Recently received a message from Experian's website saying they finished my dispute yet there's been no change. No reply to my CFPB complaint so far. Starting to get real frustrated with them.
TransUnion is still showing on my report, but there's a 40 point difference between them and Equifax, who did remove it. Interestingly enough, my dispute on TU still shows "Manual" so I don't know what's going on with that actually. There's a 80 point difference between Equifax and Experian.
along with the forbearance letter did you upload anything else to support? thnx