a couple people posted about sending letters directly to the CRA's, but I can't remember who it was. I have letters from 2 SL companies that give dates the accounts were in forbearance. I called today, and the CSR said these types of letters don't do any good. I'm going to refax, and send CRRR, hoping to get in someone elses hands. Who was it that this worked for, and how did you do it? How long did it take? I think Robin did this, and someone else too. I have succeeded in getting Nelnet deleted, but Sallie Mae is still on all 3. I want to try this way first, and then I'll send the nutcase series. TIA
check this thread http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=238977#post238977
I've noticed that with experian via my online dispute, I wrote that the ca said they were deleting. These accounts were deleted in a few days. Fax the letters with your dispute. You are giving them evidence that the information they have listed on your credit reports is incorrect. If they choose to ignore that, that's willful and malicious! They will probably contact Sallie Mae to verify the letters, which Sallie Mae will, right?
thanks! I knew it was here somewhere. I know there are a couple of other people that did it too. Hopefully I can get them out today!
Yes, I guess they will. The whole reason of doing it this way, though, is because Sallie Mae won't delete the lates themselves. They say that they have to stay on there. This way we're trying to get around Sallie Mae!
I mailed mine snail mail to Experian last week. Not showing up in blue yet on creditexpert, but they are slow..so probably won't be in dispute for another week.
the funny thing is that they are showing up as never late on EQ and the account isn't even on my TU report. Of course on EX, the account is there and it's late.
Huh? You mean that you were in forbearance and Sallie Mae was reporting you as late during your forbearance? They say that the lates have to stay? That's willfully reporting incorrect information. Scumbags!
No, not quite. The way it works is you can get a retroactive forbearance. You can be 6 months late, apply for a forbearance to bring your account to current. Your account w/ Sallie Mae is current, but they won't update your account w/ the CRA's. They don't have to. But, it seems wrong to me. I got the letters stating that the accounts were in forbearance during the times that the CRA's have the lates noted on my reports. I'm hoping that the letters will help. If not, nutcase here I come!
I think this is a grey area. If a forbearance brings the account to current (as though it had always been on time) and it can retroactively reverse interest depending on what type of deferment or forbearance that you get.. well.. it logically follows that the credit should also be corrected. Now... what you may have to do is reverse the burden of proof. If you have proof no payments were due during that period..it'd be up to Sallie Mae to prove that you were late but then it was fixed.. so then it's up to a judge as to how to report the accounts. I think there is a good argument here... if legally the forbearance or deferment makes it so that no payments are due.. then how can any payments not due be late??? fundamentally... sallie mae is wrong. Their reps will directly tell you that you won't be reported derog during forbearances and deferments (and you won't if you never exceed 90 days late)... but they don't tell you that they'll bump your reports if you let it go 91 days but then put in the form. let me give you another student loan funky example. If you've paid on your account in timely manner for a while and have gotten an I1 rating... but then add a forbearance or deferment on the account... I know for a fact that Direct Loans will then change your account to I0... now an I0 is "too new to rate"... and if you've paid on time and had an I1... clearly this rating doesn't apply.. but it doesn't stop them from putting it on your report... Regarding Sallie Mae... another angle is if you can get a copy of Equifax's infile (their copy of a file that you pick up at their location) your Sallie Mae account number will be 10 digits or more longer than anything you see... if you get Sallie mae to confirm in writing your account number to you it's ssn+1 or ssn+2 but that's not what they send to the bureaus. My contention was that the accounts they were reporting didn't even coincide with my account numbers.. anyway.. you'll have to send an innocent letter to Sallie Mae cert rr stating you were in forbearance... during x to x period when no payments were due.. and yet they're reporting you late.. please correct... they won't... but then you redispute it with the bureaus and maybe you can set them up for violations...ask for procedural descriptions... you won't get them... say never late... watch them not correct the item... include the forbearance letter... they won't look at it which is a fcra violation (supposed to consider consumer information provided)... and if you can hammer the bureaus on enough violation you can sue and get the items corrected that way... but with Sallie Mae... you're going to have to really push the issue. Sallie Mae will NEVER correct it themselves... they just won't even when the supervisors agree with you and have the same issues themselves... push the issue or live with it... your choice but your best avenue is definitely catching the bureaus on multiple violations per trade line and then hammering them... good luck with these.. you'll need it ")
Marie, sorry to be a dunce-head, but could you go over the "infile" part one more time? What is the purpose of getting the longer account number? How does that help? Thanks.
if your issues involve Equifax... if you go there and get a copy (act nice)... you get a copy with somewhat different information. One of the differences I noticed was that my Sallie Mae account numbers on this type of copy were much longer than the ones I get on my copy that I normally get if I order online or even via the phone.. so... If my account on my Sallie Mae confirmation info says my numbers are 123-45-6789-1 123-45-6789-2 123-45-6789-3 and Equifax's copy says it's 123-45-6789-1999999999999 123-45-6789-2000000000000 123-45-6789-3888888888888 well... those account numbers don't even match.. which means perhaps Sallie Mae is reporting the wrong accounts to Equifax...or perhaps Equifax has a file confusion issue... or a software bug... who knows... but the account numbers do NOT match... the only time I've seen this with sallie mae on an Equifax copy directly from their offices here in Atlanta... but boy were the account numbers longer.. so it was just another bullet in the shotgun approach of why the account information didn't match mine and thus why the accounts needed to be removed... is that more clear? by the way... I called it an Infile b/c I think I heard that term at Equifax.. anyway... the report looked different (not quite as consumer friendly) and it had more info... another contention here is that they're then not releasing all information to you on the other copies... which isn't full and complete disclosure... so it's another FCRA violation you can hit them with...
My accounts have always been updated with the Credit Bureaus when my student loans are in forebearance. The most recent example being just a few months ago, I was severly behind and requested a forebearance and the account was update with all three bureaus.
Wow, thanks Marie. That is fantastic information. I remember reading in the California version of the FCRA, that CRA's must make your complete file available to you IN PERSON if you visit their office. I'll have to look up the exact wording, but the implication was, they cannot withhold anything they have on you. I know that doesn't have a lot to do with this thread, but when you mentioned visiting their office, it jogged my memory. Thank you again, very much.
