Hello everyone,

I have been lurking here for a few weeks now, searching and getting myself re-acquainted with credit lingo and procedures. Through my searching I have been unable to find anyone with a situation similar to my own.

My college required cooperative work semesters where you work in your field of study mixed in with semesters of regular classroom studies. During one of my co-op semesters I was reported by my school to the government as having graduated. Because I returned to regular class work the next semester I was reinstated as a full time student according to the government. I was not aware of this until I received a copy of my credit report from Experian, which showed that at times I was in some cases 120days late for student loans that unknowingly went into repayment.

I carefully took the time to get documentation from my school as proof that I was a full time student (When on co-op you are still considered a full time student for financial aid purposes) I sent this proof to the US Department of Education as well as the two private loan institutions I used asking them to remove the negative information from all three credit bureaus. Almost two months later the information was finally removed from Experian and Equifax, but as I recently found out it has still not been removed from Transunion. I have written and contacted by phone the US Dept. of Ed to inform them of this yet they claim that they have removed all the derogatory marks on my credit reports even though they still remain on my Transunion report. I am unsure how to go about this any further. Is there a certain letter I should write? I am hoping to purchase my first home within the next year and would like to get this cleared up.

Thanks in advance for your help,

Funk......in a funk

Dispute with the CRA and be specific, if it comes back verified contact the OC again. Send everything CMRRR and keep your papertrail.

I forgot to mention the most important detail. I have in the meantime consolidated my loans to avoid the interest rate hike. So technically the USDE has nothing to do with my loans anymore. Can I still get info from them, or get them to verify information to the CRA's?

Is it being reported by the USDE or by the new loan holder, if by USDE contact them. But if the USDE has already deleted from 2 of your CR then by disputing with the 3rd it should be deleted when the CRA contacts the OC for information. In your dispute with the CRA be specific, not mine-never late-wrong amount etc... so that they have to contact the OC.

Yes still being reported by the USDE. How does this letter to the USDE look?

To whom it may concern:

I am writing in regards to my student loans with the United States Department of Education. Incorrect negative credit information in the form of late payments had been posted to all three credit-reporting agencies during 2003. I have already contacted the US Department of Education in 2004 and successfully got them to remove the information from two of the credit-reporting agencies (Experian and Equifax) however recent reports from Transunion show that the US Department of Education is still incorrectly reporting late payments on these reports. Since finishing school at XXXXXXXXXXXXXX Institute of Technology in December of 2003 I made all payments on time up until the loans were paid in full in March of 2005. Please remove the incorrect negative payment remarks from the following credit reporting agency:

-Transunion

I have included copies of the previously mentioned credit reports and highlighted the incorrect late payment notations.

Thank you for your time,

Sincerely,

Funktional

Looks good to me but I would add a date to have it updated by otherwise could take 90-180 days to update.