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!

[FONT=Courier][SIZE=7]I also have a question. I became a member of this message board last night and already I have read a huge amount of usefull information. My question is about a CA having more than one hit in my CR for education loans. They sent me a notice stating how much I owe, however on my CR, there is no amout for the one they are asking me to pay. Thats when I theorized hat this CA might have aquired all of the loans listed on my CR and added them all up. If this is true, once I get into the rehab program, is it reasonable to ask them to remove all of the hits from my CR, or does all that negative information have to stay there while I start my rehab process.

PrincessJada_32,

I have a couple questions:
1) How many semesters of college/university did you attend?
2) In each of those semesters, what type(s) of student loans did you borrow?