Student Loans that had been paid re-aged upon dispute

[jlm32]

Any help would be greatly appreciated.

 

I applied to consolidate my student loans with another lender that I had with Citibank in December 2000. I was told that since I had applied for consolidation that I did not have to make payments on the loans. I am not sure if the person was confused or what but it turns out I should have been paying the loans and got either a 30 or 60 day late on each of the 17 loans I had with them. I am sure you know how devastating this has been to my report.

 

I decided several months ago to try to dispute this to have the lates removed. My mistake, because now, in addition to the original lates, they are reporting lates in 2003 which is interesting since these loans were paid by my consolidation lender in Feb. 2001. One of the bureaus is reporting them as charged off.

 

How do I resolve? Should I go to Citibank first or the Credit Bureaus?

[Cheech]

Well you've already been to the Credit Bureaus and disputed. Now I'd go to Citibank. Are these for federally-backed student loans or private student loans? If federally-backed, I'd write a letter (CMRRR) to Citibank explaining the situation, asking for goodwill removal of 30 and 60 day lates due to consolidation mixup, and ask for removal of post-consolidation negatives and chargeoff info.

[jlm32]

I have already begun to draft a letter. However, I am unsure if I should be super nice or tough in it, ie-I expect this to be rectified immediately or I will file complaints with BBB, AG, etc.

 

Any thoughts