Effect of settled collections

[ibebarrett]

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@Anonymous wrote:

It's not so much that they don't have empathy. Are they federal student loans? If so, federal law requires them to report accurately, so if legit, they won't be able to be removed. I have navient and I have some 90 day lates.

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Yeah they were just extinuating circumstances that involved moving across the country to help a family member get through some medical stuff, but ultimately I should have followed up and also should have made more of a point to get everything in writing. I'm aware of the laws, that comment was more out of general frustration with the situation.

It's sad to think that they are legally barred from having empathy.

[Anonymous]

Well I’m very sorry to hear that. Definitely unfortunate.

[jons998877]

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@Anonymous wrote:

It's not so much that they don't have empathy. Are they federal student loans? If so, federal law requires them to report accurately, so if legit, they won't be able to be removed. I have navient and I have some 90 day lates.

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And how long do you think that wil keep you below 700?? I have 90 date lates with Navient as follows on my 3 reports... 

90 Days Late
EQ- 10/2016, 09/2016, 11/2014
TU- 10/2016, 09/2016, 11/2013
EX- 02/2014 

I also have Ford chargoff (2016)that was paid (2018)...

And a paid collection from 2017

everything else negative will drop by end of 2019... I am just trying to figure out how much time nefore I can think of 700 as a possibility..