My husband and I are working on cleaning up our credit reports in an effort to obtain a mortgage. We spoke with a mortgage lender who pulled a tri-merge for us and gave us a copy to work off of to clean up our reports. In looking this over - ALL of our student loans show up twice - the duplicates actually show up right beside the valid entry. Is this normal? Also, I would assume that this would affect our scores negatively if the balances are showing up twice....how does one dispute this - the debts are valid, we just don't want it to show that we owe each loan twice! I thought perhaps it was just one lender reporting like that, but it's not we have a few different lender and almost all of them show up this way.

Can anyone help?

golden2323,

I am holding my copy of a tri-merge credit report and I think I see what you see. I too have "duplicate entries" for at least one of my student loans. However for me, I look to the right of the first entry and see (EFX). To the right of the second entry, I see (XPN, TUC). To me, this means that the first entry came from Equifax, and the second entry came from Experian and TransUnion. My understanding is that during the "tri-merging process", the information from Equifax did not match with the information from Experian and TransUnion, therefore, they're listed separately. Therefore, maybe your "problem" isn't a problem at all.

I hope this helps.

Hi,

I would like to ask a question that I am hoping someone can answer. After reviewing my CR, I noticed that SM has me listed as having 12 student loans with them when in actuality, I have only 4. I recently had a forbearance, but a couple of years ago, I defaulted on my loans. I am in repayment now. The first 4 list as "Transferred/past due 90 days", the second 4 list as "Open/Current was past due 90 days", and the last 4 list as "Transferred/Current was past due 90 days". Does it make any sense for me to contact the CRA's to dispute so that they can consolidate the info for each of my 4 loans in order for them to list them accurately under each loan? I realize that having 12 entries in the "potentially negative" section on my CR looks horrible. I feel that since there are only 4 loans, the CRA's should list the accurate info under each instead of spreading them out to make it look as though I defaulted on 12 seperate loans. Thank you very much for any help you can provide!