 Student Loan wrong on Equifax |
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 Jul 1 2009, 03:22 PM
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#1
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Group: Members
Posts: 64 Joined: 13-September 04 Member No.: 8,426  |
I was told to put this over here..so you may see it 2x (under Credit and here)..
How do I fix this? My student loan was updated and is now deferred when I re-enrolled in school. TU and Ex show it correctly, but Equifax not only shows the correct new deferrment but still shows the collections. Can I get the collections removed? Correct: (Suntrust Bank) Condtion: Open Balance: $3315 Type: Educational Past Status: Current Past Due: $0 Opened: 01/2004 Reported: 06/2009 Incorrect: (Collection account showing) CLC Condition: Derogatory Balance: $0 Past due: Late 120 days Balance: $3350 Open: 01/2004 Reported: 10/2007 Defaulted loan - claim filed against guarantor |
  
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| Googie |
Jul 1 2009, 03:22 PM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Jul 1 2009, 04:48 PM
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#2
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Group: Members
Posts: 4,206 Joined: 31-December 04 From: Naples, Florida Member No.: 11,332 |
QUOTE (mstrublvr @ Jul 1 2009, 03:22 PM)  I was told to put this over here..so you may see it 2x (under Credit and here).. How do I fix this? My student loan was updated and is now deferred when I re-enrolled in school. TU and Ex show it correctly, but Equifax not only shows the correct new deferrment but still shows the collections. Can I get the collections removed? Correct: (Suntrust Bank) Condtion: Open Balance: $3315 Type: Educational Past Status: Current Past Due: $0 Opened: 01/2004 Reported: 06/2009 Incorrect: (Collection account showing) CLC Condition: Derogatory Balance: $0 Past due: Late 120 days Balance: $3350 Open: 01/2004 Reported: 10/2007 Defaulted loan - claim filed against guarantor Did you rehab or consolidate after your default? This tradeline is being reported by a lender/servicer... once you default, never changes so it is reporting correctly.  Lynn
Ex-Student Loan Collector FFLEP & USDE Ex Financial Aid Officer Minnesotan escaped to Florida! |
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Jul 1 2009, 04:56 PM
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#3
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Group: Members
Posts: 64 Joined: 13-September 04 Member No.: 8,426 |
Rehab? I did have to renew the loan with the lender, sign note etc and that's what is showing with the correct line. My question is what do I do about the old entry still showing? TU & Exp updated it correctly. Equifax added it as a 2nd entry & kept the old one too.
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Jul 1 2009, 05:36 PM
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#4
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Group: Members
Posts: 4,206 Joined: 31-December 04 From: Naples, Florida Member No.: 11,332 |
QUOTE (mstrublvr @ Jul 1 2009, 04:56 PM) Rehab? I did have to renew the loan with the lender, sign note etc and that's what is showing with the correct line. My question is what do I do about the old entry still showing? TU & Exp updated it correctly. Equifax added it as a 2nd entry & kept the old one too. Equifax IS reporting correctly. Your lender is entitled to report your default ....they do not have to remove it. It sounds like you did a rehab. Lynn
Ex-Student Loan Collector FFLEP & USDE Ex Financial Aid Officer Minnesotan escaped to Florida! |
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Jul 2 2009, 08:10 AM
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#5
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Group: Members
Posts: 64 Joined: 13-September 04 Member No.: 8,426 |
Ok thanks. So both lines will stay? That was my main question. The updated new deferred loan as well as the default line?
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