Oh yes, another Stafford duplicate thread

[bimmersandmacs]

Hi again all,

 

I'm writing about student loan duplicates that are appearing on all 3 bureaus. I have 6 Stafford loans which have since been FFEL consolidated. The servicer/lender/guarantor information remains the same and dates and balances all appear to be accurate across all 3. When the servicer first had these loans, they noted it with a status as 'Acct. transferred, closed/claim filed with govt.'. My loans were then picked up by the lender who also placed notations on my reports 'Claim filed with govt./past due 180 days; Acct. history - claim filed with govt.'. My concern is that these loans were never charged-off and is even listed as 'non-defaulted, paid as agreed through consolidation loans' per the NSLDS website for all loans. Only EX is listing as delinq/charged off but while the other two are listing as 'Current/Paid as agreed'. So I ask, I know that student loan record keeping is pretty meticulous, but there is an obvious discrepancy b/w what is still reporting on my credit reports and the NSLDS. Should I dispute this with EX? I know it's 50/50 and would hate for this to blow up in my face and end up getting more baddies and it spreading to the other two. According to EX, it still has a couple of years on the reports. Should I or shouldn't I, that is the question. Any insight/info, as always, is greatly appreciated. Thanks.

 

ggtc

[bimmersandmacs]

self serving bump