Man I tell ya this company is crooked. I have some consolidation loans and loans that were paid off showing ON TU. Well yesterday pulled PG and score is 0 no accounts present. They don't have the current Consolidated loans on EQ either. I've been talking to emily pollick but she hasn't done diddly for me in months.

Hows a guy supposed to get credit when your credit with history dating back to 1992 just disappears off your reports. And they refuse to put it back. I'm about sick of this company. I went from a 696 to a 0 in one day cause of these bastards. Does anyone have any tricks or suggestions?

Hate to say it, but Ms. Pollick helped me out greatly in my bouts with Equifax...I have nothing but good experience with her.

Equifax on the other hand...... :evil:

Good to hear Jon. I don't know I seem to have taken one step forward and three steps back. I had loans on there dating back to 1989 and there all gone it just ticks me off that you ask for them to correct a mistake and they just screw stuff up further.

What kills me though, is that SM is only reporting to EQ, right??

However, I have SM information on my TU report that I've disputed, and TU has "suppressed." My quesiton is, if the information provider doesn't respond to the dispute, how can they keep it on file at all? This "suppressed" BS has me wondering.

I'd like the good one on my TU but the bad one off.....wouldn't we all?

Well in my case I had all my accounts on TU just last week I had a FICO of 696 on TU. The report some loans on EQ that aren't in consolidation but were supposed to report the Smart loans to EQ. They removed the loans with the history from TU and didn't put anything on EQ. Around and around we go were sallie mae stops nobody knows.

I was reading awhile back that someone sued SM cause they were applying for a mortgage and they couldn't get the best rates cause SM didn't report there paid loans to the CRA's. Causing them a significant increase in interest with the mortgage company. SM response was that they intentionally don't provide the information to TU or EX cause it would allow other loan servicers to snatch up business from them. Kinda like Mickeysoft if you ask me. It's still no excuse to not report loans that are in good standing.

No...I agree with ya. I've heard that they will be reporting to TU and EX again soon, court ordered.

They were trying to keep their customers from getting PRM offers on consolidation loans....

Well the saga continues. I'm beginning to think there mindless drones at SM.

Well the previously " Suppressed " loans suddenly completely disappeared off TU causing my score to go from 696 to zero big fat donut hole. Then to my suprise as hearing Ms. Pollick say they'll be reporting to EQ only they suddenly disappear off Equifax too and now appear on EX. But get this I was previously fighting them cause of loans that were not late in the first place and then consolidated into Smart Loan accounts in Deferement. Well now they show 4 Negative Loans from 1993 with a 90+ Day late payment history causing my EX to take a 60 point nosedive. It's one excuse after another with these people.

I just want them to report the damn things correctly. Is that too much to ask ? I mean if I was late they would report that in a heartbeat. They are insistent on wanting to keep my business but killing my scores is not a win win situation for them in getting my continued business. I'm not consolidating my other loans with them but with another lender I'm sick of the run around and screw ups by SM.

I'm at a point know where I'm just going to sue the crap out of em. I applied for a mortgage and was offered a higher rate mortgage based on the fact that I had no loan history. Geez what's 45K worth of loans chopped liver? Instead of a 4% mortgage I got offered a 8.65% mortgage which I declined cause I didn't know what was wrong. Get home look at the Reports and I'm now peeved beyond belief that Sallie mae can continue on this trek of screwing up reports and then acting like nothings wrong.

Ms. Pollick says it like it's not any big deal. Oh we will be reporting to TU soon and we will be reporting your loans to EQ. Ha Ha I don't think they know what they are doing truthfully and here I am the consumer stuck in the middle of it paying higher interest rates cause of them.

Sue em!!! I was about to, when all of the sudden they got their act together (don't know what caused that, I didn't file suit or anything) they now report on all 3 on my reports. seems when I was in default they could report to all 3 then when I get rehabed the only reported on EQ for a while. Judge would have loved that one!