hulamatt

i have 756 on experian where it is not being reported as transfered or sold it says "transferred to another office", my equifax is 646 and transunion is 600 there it says "transferred or sold, permanently assigned to government", i got the scores for those from fico so i could get some explanation and the CSR told me that the wording in the remarks makes the scoring model assume it is a default, and that is why the scores are so low. i am a disabled vet and the governement discharged the loans due to my disability, the guarantor paid them in full, or the government paid the guarantor, not sure which or how that works, but i did not have to wait the normal 3 years of conditional period to see if my disability improved, i would just like the wording to be like experian so that it does not score as defaults for the next 7 years also found a guide to reporting such circumstances online for this and it states that they do not assign to the government but "refer" to the government, not sure what to do i spoke with sallie mae and the CSR told me it wasnt right, but the credit reporting department said it wouldnt change it then i brought up that experian wording wasnt like that and basically they didnt care, i am currently disputing on both credit reports

I have a student loan that was paid for by the guarantor due to me being totally disabled, the servicer says it is transfered or sold and permanently assigned to the government in the remarks on my credit report, the scoring models are scoring this as a default, there are no late payments on these loans, so now i cannot get approved for any credit, the remarks do not appear like that on experian and it is a 756 score, how can i get this fixed and possibly make money on it for a FCRA violation.

no bk, the only thing i can think of is the student loans having no info reported for certain months they were in forbearance, there are also two that say transfered to government due to a total disability discharge but they say pay as agreed and no lates,

my broker said this is the first time he has seen scoring that makes no sense and contradicts itsself, because it also said in the trimerge he pulled that gave me the score, there were zero 30 60 90 or 120 day late payments, i called the company that gave the scoring and they said they pull directly from the CRA, and couldnt/wouldnt explain anything. i called the CRA and they stated it should not say any of that and to call the company that pulled it. im pissed because now im doing an fha vs conventional because of the mid score, and i have to lease a new car in 10 days or so after we close on the house due to a car accident, and i dont know if those models are going to say the same thing

i have the full report directly from each bureau as of last month, also called tu to ask why my scores were so low and why it says late and delenquincy they said they see nothing that would explain that because nothing has been late or charged off or collection , which i knew but was double checking. i,had my report pulled again from a different company for a mortgage loan since it was within the window where it counts as one. the scores were almost exactly the same give or take 10 points on each the scoring models were as follows, efx was facta beacon 2.0 exp was fair issac model II and tu was fico classic 04.

there are zero late payments on any report

just applied for a mortgage and had a 756 ex 634 trans and 600 eq, the trans and eq. both said serious deliquincies but there are no late payments or charge offs, and all the reports are pretty much the same cept one credit card that is showing as closed, the only thing i can think of is that a couple student loans have a couple of months that show no data could that be the reason?

I have no problem getting it, and will not have to have a signature from a doctor, nor do the 3 year condition period, DE streamlines it for vets with 100% disability due to being unable to work, just need to know how it will show up on CR

i am a 100% Disabled vet, and am considering getting my loans discharged through this program does anyone have any experience with this. what does the tradeline say? If its a negative tradeline i dont think it will be worth it, as i dont want to hurt my credit Thanks, Matt

If a student loan is dischaged due to permanent disability? what would the tradeline look like and would i take a ding on my credit, anyone have experience with this? Mods can move this thread if not in the right place

Is it beyond SOL in your state? Have you ever DVed the CA, CMRRR? hmm cant find an exact number of years for the SOL, havent dved the CA, they say they dont report to credit bureaus the OC just updates, however they said they were about to send it back to OC and they would probably do a judgement so i assume im pretty close to SOL, so i set up a payment plan to settle by end of feb... is this good or no? basically if i get a judgement im screwed, dont know how i would get that taken of Credit Report, after settlement ill write the VP of company or something a letter saying i would pay off the rest of the 5k if it is changed to pays as agreed, they said they would send info to OC to update my fico score once a month while im paying, is this going to reset SOL When was your DOFD? In what state are you? april 2006 it was charged off at 90 days late, i live in illinois, i have been told it is a 4 year, but they could sue in the state i financed in which is florida which is 5, not sure if making a payment reset SOL though

Alright i heard that illinois SOL for autoloan is 4 years, im past that, but just made a payment to settle, is this chocolate going to reset SOL, what can i do call and cancel payment, stop check, or am i screwed, Can someone verify the 4 years SOL, i have heard 10 5 6 but im pretty sure its 4

Is it beyond SOL in your state? Have you ever DVed the CA, CMRRR? hmm cant find an exact number of years for the SOL, havent dved the CA, they say they dont report to credit bureaus the OC just updates, however they said they were about to send it back to OC and they would probably do a judgement so i assume im pretty close to SOL, so i set up a payment plan to settle by end of feb... is this good or no? basically if i get a judgement im screwed, dont know how i would get that taken of Credit Report, after settlement ill write the VP of company or something a letter saying i would pay off the rest of the 5k if it is changed to pays as agreed, they said they would send info to OC to update my fico score once a month while im paying, is this going to reset SOL

I have a 7k car loan that i defaulted on 2005, collection agency sent me a letter saying they will settle for 2.5k, great deal, but the collection agency isnt on my credit reports, but i know they have had the account for a couple years, so i asked them what would show on my CR of i paid, asked to have it deleted but they said it will show up as settled in full, my thoughts are, are they going to report it as a collection as settled in full, or in the OC line, dont want to go to court and have a judgement, dont want a collection on my CR, so i just havent done anything, im saving to offer the OC 7k plus interest to have it pays as agreed, maybe have the lates taken off, dont really want to let them know that they arent on my CR yet

Had item appear on my CR after being deleted without being notified by CRA, anything i can do? Also, Had a Collection account from Sprint deleted(third party), what do i do now, should i pay sprint in full, to avoid it being sent to another collection company, or worse being reported by sprint directly Last question....When does the 7 years start , date of first delequicy, or when the collection agency actually got the info and reported