Need help with Very wrong info repo

Discussion in 'Credit Talk' started by melijane, Aug 20, 2003.

  1. melijane

    melijane Member

    Long story short. I had 4 loans that were in danger of defaulting. I called on April 18th to get them consolidated. US Dept of Education said yes I am approved for consol. but waiting for interest rates to go down in July. Great. In July I get a letter from Debt Collection services stating the whole amount is due in full yada yada. I call and she tells me my file has been turned back over to Dept of Ed for consolidation. Of course I am getting the runaround and being transferred to five different peopl. basically they are telling me they got this file March 20 and reported it as below in June because you get a 60 day grace period. despite my tring to explain to these mental morons that i would have been within the 60 day grace period with the consol. if the Dept of Ed. hadn't held the consolidation for 4 months. Also it's obviou, these are the only loans I had and they were all consolidated(the first acct listed) Obviously it doesn't add up!! they have listed some twice. I mean it's just so glaringly apparent just THAT is wrong.Who can help? I know there are a few people on here who are very knowledgeable about student loans. Thanks in advance! On my reports This is what shows:

    U S DEPARTMENT OF ED-This is correct and is all loans consolidated

    Account Number: XXXX
    Acct Type: Installment Education Loan
    Acct Status: Open Open
    Monthly Payment: $69 $0
    Date Open: Jul, 2003 Jul, 2003
    Balance: $23,166 $23,166
    Terms: N/A 300 Months
    High Balance: $23,166 N/A
    Limit: N/A N/A
    Past Due: $0 $0
    Remarks: STUDENT LOAN - PAYMENT DEFERRED Student loan - payment deferred
    Payment Status: Pays account as agreed Current
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
    Equifax:
    Experian:

    ^Top of Page^

    U S DEPT OF ED/FISL/AT

    Account Number: xxxxxx
    Acct Type: Education Loan
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Nov, 2002
    Balance: $4,303
    Terms: 36 Months
    High Balance: N/A
    Limit: N/A
    Past Due: $4,303
    Remarks: N/A
    Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6
    Experian:

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    U S DEPT OF ED/FISL/AT

    Account Number: XXXX
    Acct Type: Education Loan
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Nov, 2002
    Balance: $6,646
    Terms: 36 Months
    High Balance: N/A
    Limit: N/A
    Past Due: $6,646
    Remarks: N/A
    Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6
    Experian:

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    U S DEPT OF ED/FISL/AT

    Account Number: XXXX
    Acct Type: Education Loan
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Nov, 2002
    Balance: $6,604
    Terms: 36 Months
    High Balance: N/A
    Limit: N/A
    Past Due: $6,604
    Remarks: N/A
    Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6
    Experian:

    ^Top of Page^

    US DEPARTMENT OF EDU

    Account Number: XXXXX
    Acct Type: Installment Installment account
    Acct Status: Open Closed
    Monthly Payment: $6,580 $6,601
    Date Open: Aug, 1998 Aug, 1998
    Balance: $6,600 $6,603
    Terms: N/A 36 Months
    High Balance: $5,000 $5,000
    Limit: N/A N/A
    Past Due: $6,580 $6,601
    Remarks: STUDENT LOAN Placed for collection
    Payment Status: At least 120 days or more than four payments past due Collection account
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
    Equifax:

    ^Top of Page^

    US DEPARTMENT OF EDU

    Account Number: XXXXXX
    Acct Type: Installment Installment account
    Acct Status: Open Closed
    Monthly Payment: $6,622 $6,643
    Date Open: Aug, 1998 Aug, 1998
    Balance: $6,642 $0
    Terms: N/A 36 Months
    High Balance: $5,500 $5,500
    Limit: N/A N/A
    Past Due: $6,622 $0
    Remarks: STUDENT LOAN Placed for collection
    Payment Status: At least 120 days or more than four payments past due Payment after charge off / collection
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
    Equifax:

    ^Top of Page^

    US DEPARTMENT OF EDU

    Account Number: XXXXX
    Acct Type: Installment Installment account
    Acct Status: Open Closed
    Monthly Payment: $4,285 $4,301
    Date Open: Apr, 1998 Apr, 1998
    Balance: $4,301 $4,303
    Terms: N/A 36 Months
    High Balance: $3,500 $3,500
    Limit: N/A N/A
    Past Due: $4,285 $4,301
    Remarks: STUDENT LOAN Placed for collection
    Payment Status: At least 120 days or more than four payments past due Collection account
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
    Equifax:

    ^Top of Page^

    US DEPT OF EDUCATION

    Account Number: XXXX
    Acct Type: Education Loan
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Apr, 1998
    Balance: $0
    Terms: 160 Months
    High Balance: N/A
    Limit: N/A
    Past Due: $0
    Remarks: N/A
    Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3
    Experian:

    ^Top of Page^

    US DEPT OF EDUCATION

    Account Number: XXXXX
    Acct Type: Education Loan
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Sep, 2001
    Balance: $0
    Terms: 144 Months
    High Balance: N/A
    Limit: N/A
    Past Due: $0
    Remarks: N/A
    Payment Status: Paid, zero balance
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
    Experian:

    ^Top of Page^

    USA GROUP LOAN SERVI -Never 120 days past due...That damn TU

    Account Number: xxxxxxx
    Acct Type: Installment Education Loan Installment account
    Acct Status: Closed Closed Closed
    Monthly Payment: N/A $0 $0
    Date Open: Jan, 1995 Jan, 1995 Jan, 1995
    Balance: $0 $0 $0
    Terms: N/A 53 Months 53 Months
    High Balance: $1,313 N/A $1,313
    Limit: N/A N/A N/A
    Past Due: $0 $0 $0
    Remarks: ACCOUNT TRANSFERRED OR SOLD Transferred to another lender or claim purchased Transferred to another lender
    Payment Status: Pays account as agreed Account transferred to another office 120 days past due
    Account Two Year History
    Year: Year 1 Year 2
    2002 > 2003 >
    Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8
    Equifax:
    Experian:
    Transunion:
     
  2. melijane

    melijane Member

    student loans

    Here is the real bump...sorry
     

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