Made my last rehab payment on Friday

[bigblue7722]

Another update I got an email from sallie mae Saturday morning saying there has been a change in loan terms and a new document is waiting for you. So I tried to sign into my account I thought for sure I knew what the password was but I must have been wrong and got locked out of my account. The website tells me to call this 1800 number and sure enough, Sallie Mae having the best customer service in the world,  are closed on the weekends. So I have been counting down the hours till 9am Monday it feels like forever. 

[bigblue7722]

Well I called sallie mae and was able to get into my account. My loan has been rehabbed and I owe $4999.95 with a 6.8% interest rate. I did check the  https://www.nslds.ed.gov it still says i am defaulted im not sure how long it takes to update. I just want usa funds to be deleted off my report thats gonna be another month or so. 

[bigblue7722]

Well finally the nslds.ed website says i am not defaulted anymore. But usa funds still remains on my credit report. Theres really not much i can do. IT has not been thirty days sense nov 4th.  Maybe dec 1st ill call general revune and usa funds just to bug them some more I cant believe its that hard to get something off a report.

[bigblue7722]

well another update not good news for me. I called what I thought was usa funds one of the many numbers on their site and asked the man why it is taking so long for usa funds to come off my credit report. I even asked him do you work for usa funds he said yes but then when he looked at my file he only sees my sallie mae report great lol. SO he then tells me to call this other number. I get a unhelpful lady who now says it will take 60-90 days from oct 25th the day my loan was picked up. I offered to pay extra just to have it off my report sooner but she said no all i can do is dispute it. Why should I have to dispute something that they know should be off my report? I asked her why it takes so long to just send a letter to the credit agencies? She said well we have a lot of letters to send out. **bleep** They are making millions off poor college students and they dont have a big enough staff?  I feel really bad for anyone going into this loan rehab program and having to deal with sallie mae/ usa funds. I am debating on disbuting I might just do it. I just have this fear that I could screw something up.

[Involver]

I wouldn't call this "not good news".  You got the answer you were looking for (60-90 days from sale of your loan) and you have successfully rehabbed your loan.  Considering how much worse off things could be right now, exercising a little bit of patience now should be well worth it.

[bigblue7722]

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@Involver wrote:

I wouldn't call this "not good news".  You got the answer you were looking for (60-90 days from sale of your loan) and you have successfully rehabbed your loan.  Considering how much worse off things could be right now, exercising a little bit of patience now should be well worth it.

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You are right I should have more patience. I started  my rehab in February. I have seen other people have their loans deleted within weeks not months of completing the rehab. I guess I am just frustrated because it seems so simple for USA funds to just send a letter to delete the account. Why should I have to dispute it to make them respond in 30 days rather then me having to wait 60-90? 

[Involver]

You shouldn't have to but I don't think that filing a dispute when you are this close to success is going to do you any favors.  IMO of course.  Congrats on getting through rehab though I can't wait to be there in a few months.

[bigblue7722]

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@Involver wrote:

You shouldn't have to but I don't think that filing a dispute when you are this close to success is going to do you any favors.  IMO of course.  Congrats on getting through rehab though I can't wait to be there in a few months.

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So I guess me calling them actually worked lol. USA FUNDS IS OFF MY REPORT soft of. I only recieved a 12 point increase on my eq which happened yesterday I  am assuming i only recieved 12 points because for some reason eq didnt show the lates with usa funds but ex and tu do. I cant say for sure that it is off my eq cause I didnt refresh my report yet but on mycreditinform.com which i have from cap one it does not show up. MY score when up like 80 points on credit inform to 653. So its finally over lol.