Help! I decided to dispute this over the phone with a live person at experian. I have a student loan with Sallie Mae for $5500 that was transferred when I consolidated. The loan is showing twice on my experian report. One account shows opened April 2001, the other shows August of 2000. (It is the same loan) The status shows as "Transferred, Closed, 90 days past due." on both accounts I confirmed with the rep on the phone that it is the same loan account on there twice and she said yes it was, so I asked for removal. She said she couldnt remove it. I asked why, and then she gave me some BS story about how loan companies will report to them sometimes each semester, and thats why it shows on there twice, because they reported it twice. (well if they want to do that, fine but just update the date on the first reported loan!!! ) I argued that this is innaccurate information because by looking at the report it looks as if I have two different loans on there instead of one that was transferred when late. She wouldnt listen and wouldnt delete. She then told me that these loans arent hurting my score at all. (Well then why are they listed under the section,"Potentially negative items?" ) The CRA's are definitely in bed with the banks, the lower someones credit score, the higher interest rate is made off loans, someone is getting kickbacks. What should I do?

This is almost the EXACT same problem I have with Experian this year!

I sent a dispute to Experian saying that my original consolidator account was "paid, closed." It's being "investigated." I will have to send it again, I think, if I don't see a change in 30 days. I friggin' hate EX, but I'm using Triple Advantage right now =X....If I hadn't, I wouldn't have even known that it was reporting twice.

This makes my overall debt look $30k more than what it is, and as a result, my credit score is suffering! >_<;; I can seriously feel your pain!

Even bumbly TU got it right, at least. *sigh*

I wish you the best of luck with this! Seriously! I will watch this thread to see if anyone can offer anymore suggestions. It's stuff like this that makes me depressed I even went to college to begin with, haha

bumping.

Is this really just a standard dispute letter fix?