Well, I'd like to throw my story in the ring.
I'm in the exact same boat as you. I finished my rehab, everything was going along swimmingly (federal loans that went to FedLoan servicing, and I am no stranger to that site). Waited patiently for everything to update. None of the original delinquencies were removed. All still show in bright red missed payments, 120+ days, last derogatory date is the date I entered the rehab program. The works. I'm curious if you did anything in particular, because I called and called and was told numerous times that all original late payments would be there for 7 years. Finally got so fed up, paid them off in full one day. This actually ended up tanking my AAoA and years later I would find out that the default was never removed and now that the account is closed there's nothing they will do to get rid of it. Painful costly lesson to not pay loans off early.
This was a few years back so I'm not really sure what happened to my scores but I have been sucking it up all this time. Congrats on getting them them taken care of. I'll try to stay optimistic for everyone else, but **bleep** this board can be depressing at times.
Hey Achieving, I'm really sorry that happened to you. I remember feeling relieved just to get them out of default & showing current that I honestly didn't 100% care how the tradeline history showed. There really seems to be no rhyme or reason for someone to get them deleted & someone to still show them. I did call the DOE several times while the loans were transitioning, but I didn't formally file a dispute or complaint. Calling more to inquire about "status updates" really.
Don't fret, I still have private loans through Navient that are a total cluster-you-know-what .... That is probably worse than my federal loans because I have been paying on them for years and years, on time, full amount, and they are still a nightmare. Iyiyiy
This is what I find the most frustrating about the whole process. They give us these arcane ridiculous rules to live by (why 9 payments and not 12? I don't get it, but ok) -- and we jump through all the hoops we're supposed to and then there is still this element of the unknown. On another thread we're discussing how SSL Alliant loans are helping some people and hurting others who have as far as we can tell identical reports. It's maddening for sure.
Thanks for the kind words, I didn't mean to imply that I wanted others to suffer. I'm glad at least someone got out of the rehab process with something to show for it I'm going to file another complaint with the Ombudsman's office I guess.
Wish me luck.
MtgGoal4Me- Your scores look really good. I bet once everything settles in, it will only keep going up! Still no FedLoan TLs for me either, which is funny, because I just opened a CareCredit acct less than 3 days ago & that is popping up all over the place lol!
That's what I thought about lawyers, too, until I had the misfortune of hiring the wrong ones. Now I'm labeled a "frivolous disputer" and everything I want to dispute has to go through a laborious process. Be careful.
800-That's the same company my mtg broker referred me to.