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Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Update:

 

3/8/21

 

TU *finally* updated NMSL SLs!

 

+26pt

 

620 > 646

 

The reporting has me very confused, though.

 

There were 6 SLs with this servicer. This was only ever on EX, even during the default (6 original + 6 defaulted SLs). TU and EQ only listed 5 SLs (5 orginal + 5 defaulted for TU - EQ only listed the 5 defaulted SLs).

 

Now, after rehab has completed with them, the reporting is all over the place. EQ has the best reporting, TU has ok reporting, and EX has the worst reporting. I would love to get them fixed so the all reflect like EQ (or even like TU lol), but I fear any type of disputing will lead to them all reflecting like EX.

 

EQ added the original SLs back on, but this time all 6 SLs....but with zero payment history and just shows "current". This boosts AAoA and I have zero lates. The 6 "new" backdated SLs were added on and everything was good.

 

EX left all 6 original SLs listed as "derogatory" with all the lates and closed. They never updated these, but in a way is good, because then the whole TLs can come off instead of waiting longer for all 120 lates (20 x 6 SLs) to age off. The "new" backdated SLs were added on.

 

Today, TU updates. TU took all 5 original loans and repoened them. This is technically "most" accurate of all bureaus reporting. These SLs stayed with the original servicer and have the exact same account number. They were simply reinstated, so nothing technically changed. Problem is this: they took 3 of the 5 SLs and erased the payment history (yay!?) and just show "current" and the most recent payment made. Now, the other 2 SLs, they left the entire derog payment history (20 x 2 SLs = 40 lates). I have no idea why they picked these 2 SLs. Now they show "current" for the "status" and show the most recent payment made. All the prior lates are "greyed" out. The 6tu SLs is not listed at all, which for me helps DTI and number if accounts with balances, but is missing altogether nonetheless.

 

Any thoughts on what I should do? Just leave it and take the win on EQ, semi win on TU, and total loss on EX? Just work my way thru 2 more years of lates dropping off EX and be happy the other 2 bureaus are better or great? I would REALLY hate to mess that up!

 

@Birdman7 @RobertEG  any thoughts to this reporting conundrum?




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 31 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

TU examples of reporting after rehab:

 

 

How the 2 derog SLs look nowHow the 2 derog SLs look now

 

How the 3 reopened SLs look nowHow the 3 reopened SLs look now

 

Example of my only other late on TU aside from the 2 SLs. The 30 is bold, where the SLs lates are "greyed out". Does this mean anything?Example of my only other late on TU aside from the 2 SLs. The 30 is bold, where the SLs lates are "greyed out". Does this mean anything?

 




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 32 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

EX examples of reporting after SLs rehab:

 

Original account remains the same as when in defaultOriginal account remains the same as when in default

 

Same account as aboveSame account as above

 

Same account as above, but how it reports as now open.Same account as above, but how it reports as now open.

 




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 33 of 88
ChiknNuggz
Regular Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Hey congrats congrats.  26 point increase is pretty good. That what im hopoing to get atleast 20 lol. Sounds like its moving along for you i wouldnt dispute anything just yet give it another month to fully settline in with all TL's and student loans.

 

Also, update for me I called dept of edu default resolutins group and they were able to tell me the exacte date the Dept of edu reported my information to the CB.  It was reported on 3/4 to be taken out of defualt and show current SOOO hopefully in a few weeks it will show the rep did assure me that it was reported tho.  If you have origianl loan through them there number is 1-800-621-3115.

Message 34 of 88
KitKats
Established Member

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

EX examples of reporting after SLs rehab:

 

Original account remains the same as when in defaultOriginal account remains the same as when in default

 

Same account as aboveSame account as above

 

Same account as above, but how it reports as now open.Same account as above, but how it reports as now open.

 


@LaHossBoss 

YAY! congrats! you've had some change. I would wait it out a little longer. Someone on here posted they have had  change happen in 3s. So maybe you still have 1 more update which would be the final result of reporting. I can't fully remember what they said but it was something like..defaulted TL removed, New servicer added but I can not remember the 3rd thing. I will try and go find it and see what was said and update if I find it.

Message 35 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

@ChiknNuggz @KitKats thank you for your support! I am actually wondering if there will be additional changes.

 

I noted that for my SO, that the 3 SLs he has with the same servicer as me have updated to "current", where mine have the 2 "current" amd open, but w/lates and the 3 "current" and open with no lates. I will have to go back, but perhaps I also had an update before this current change.

 

Anyway, I am getting really distraught that my SLs have reported and my SO's still have not, at all, on any of the bureaus. Not NMSL (me and SO have this shared servicer) nor FedLoan. I really wosh something would update. We will be making payment number 2 in just 1 week (exact same due date for both servicers, NMSL and FedLoan, but FedLoan on Covid deferment)! I would think something should be happening by now on his reports, as he only finished his rehabs 2 short weeks after mine! With mine uodating on the bureaus this week, I thought for certain there would be some movement for SO....




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 36 of 88
ChiknNuggz
Regular Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

So ?...this is my origianl loan with Nelnet that defaulted i opened back in 2014 it is 7 years old.  Should it be falling off my report soon or is it 7-10yrs or does it start from the 1st missed payment. I called Nelnet and of course hey refuse to remove the lates lol but hey worth a shot lol. 77B166B3-389C-4022-BBC6-1FDA1EC4319B.jpeg

Message 37 of 88
KitKats
Established Member

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@ChiknNuggz wrote:

So ?...this is my origianl loan with Nelnet that defaulted i opened back in 2014 it is 7 years old.  Should it be falling off my report soon or is it 7-10yrs or does it start from the 1st missed payment. I called Nelnet and of course hey refuse to remove the lates lol but hey worth a shot lol. 77B166B3-389C-4022-BBC6-1FDA1EC4319B.jpeg


@ChiknNuggz  I believe it's from the last missed payment, mine are from 2014 also. But on my annual it says it won't fall off until 2024.

Message 38 of 88
KitKats
Established Member

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

@ChiknNuggz @KitKats thank you for your support! I am actually wondering if there will be additional changes.

 

I noted that for my SO, that the 3 SLs he has with the same servicer as me have updated to "current", where mine have the 2 "current" amd open, but w/lates and the 3 "current" and open with no lates. I will have to go back, but perhaps I also had an update before this current change.

 

Anyway, I am getting really distraught that my SLs have reported and my SO's still have not, at all, on any of the bureaus. Not NMSL (me and SO have this shared servicer) nor FedLoan. I really wosh something would update. We will be making payment number 2 in just 1 week (exact same due date for both servicers, NMSL and FedLoan, but FedLoan on Covid deferment)! I would think something should be happening by now on his reports, as he only finished his rehabs 2 short weeks after mine! With mine uodating on the bureaus this week, I thought for certain there would be some movement for SO....


@LaHossBoss  I would call their servicer and ask them if they started reporting yet.  Im wondering if that 2 week difference happened to fall after  the date they have reported.  Hopefully before April it will be reported. 

Message 39 of 88
ChiknNuggz
Regular Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

I guess i will call them back and see i'll also take a look at my annual to see when it says its going to fall off.

Message 40 of 88
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