Just logged into creditexpert today and bam!...no more student loan derogs! Yay! After completing a default rehabilitation program several years ago, I was left with the defaulted marks on my cred reports. According to the program, those derogs where suppose to go away after completion of the program. I gave them a call to inquire about it and they asked that I mail them. Sent them a goodwill letter and now all 5 derogs are gone! Wooo! I've got a long way to go, but this is a great first victory for me! Just wanted to share my excitement here at CN. I never would have gotten this far if it was't for all the advice I've gotten here.
Congrats!!!! Were these through the Dept of Education?? If so, can I have the address you sent your letter to and your contact (if you have one)? TIA!! My dh has student loans that they took his tax refunds to pay. Not the same as your situation, but worth a shot, I guess! Not sure what else to with these "paid collections". FHA doesn't like them Thanks!!!
I'm not sure what state you are in Sucker but I'm in PA. I got my info off of the AESuccess website which is a division of PHEAA (Pennsylvania Higher Education...). The site clearly stated that the credit marks would be removed once the rehab program was finished. I included a copy of this statement from their website with my goodwill letter. If you've got student loan problems, I'd suggest starting here at the FSA Ombudsman website . My situation is different than yours, but if you have a chance to rehabilitate your loans if they went to default, bite the bullet and do so. In my case, it's the only thing that got those derogs removed. That, and the rehab loans show up on the "good" side of my credit. Hope this helps!
They're Stafford Loans and are PAID IN FULL. They show up as "US Dept. of Education" on his reports. Didn't know if I should risk disputing through the CRA's, or not. Don't want to piss off the gov. YK! Thanks, I'll check out the site... Again, congrats!!!
