Yes, I know this is really soon, but I want this done!!! It looks like it's definitely likely that no one (except for me and my fellow CBers!) thinks that I have completed rehab. I just checked my credit reports and it’s been updated on EX, but I don’t know about TU and EQ (due to a myfico.com “situation”, I got EX later than the rest of them). It’s showing “account closed due to transfer or refinance” under status and August (the month when they were transferred to the FFELP lender), shows as OK. Under either DOLA or DOS (I can't get to the site right now to check), the date is AUG, 2004, so it's obviously been updated recently. However, all of the other months before August shows the default. So, now what do I do? Anyone have contact info? Do I just start right in with DOE or do I call Pioneer and feign ignorance (that wouldn't really be a lie!!)??

A description of my particular situation can be found at http://www.creditboards.com/phpBB2/viewtop...5346&highlight=

Thanks for any help you can give – I’ve never done “the credit battle” before and I’m a little nervous that I'm going to call the wrong person in the wrong order and screw it all up permanently!!

Don't panic yet ziggy - if memory serves me correctly, it took a couple of months to get things reporting right.

Okay - let me make sure I remember your situation correctly...

Pioneer - rehabbed with them as a CA, but they never jumped on your reports
DOE - original guarantor?? And it's DOE that's on your reports??

Why do you say nobody thinks you've rehabbed? Just because of the reporting thing, or has somebody actually said that to you?

I know you recently made your 12th payment. After that, your loan gets picked up by a lender (and it'll probably be going back to DOE). The new lender should be sending you a new payment booklet or a packet saying something like "ziggy you will owe us giant sums of money the rest of your life" with the specific amount of payments listed. Has that happened yet? In my experience, it generally takes 60 days or so for things to shake out properly after you finish rehab. Bureaucracy is fun, isn't it?

Contacting Pioneer wouldn't get you anywhere if they aren't actually on your reports. They are good at collecting money, but not at much else... lol. At this point, you're going to need to deal directly with the lender/guarantor.

I am organizing my chaotic desk tonight (got company coming tomorrow... ugh). I will pull out all of my old rehab papers and go through them again and refresh my memory on everything just in case something is amiss here. But my first guess is that things just haven't been processed yet.