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About morehelp

  • Birthday 05/09/1957

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  1. I call every year on my Venture card and a general CS rep credits the fee. Depending on when I call, it is credited prior to my statement cut or, at the latest, on my next statement. They won't to anything before it hits my account. YMMV
  2. Are these federal loans? Unfortunately, getting these late payments removed is a rare event unless you did a rehab program. In that case, once it's completed the late payments can, and usually are, deleted.
  3. You can do a FOIA request and ask for all documents relating to your loan. It takes about 3 weeks and will give you everything you need. Interest accrues on subsidized loans in forbearance but not deferment.
  4. Believe me, I know the student loan woes but there are options. Who holds the loans now? From the 2000's these could have been FFEL loans. Since you've never rehabbed them, that option should be on the table. You need to contact the current servicer and request it. If they are difficult, then contact the Dept of ED ombudsman for guidance. As Centex said--you need to get these out of default now.
  5. I actually had 1 paid judgment and a paid tax lien removed by disputing as I mentioned above. Neither was close to the 7 year mark. This is a quote from the Experian website: Experian no longer shows judgment and tax lien information as part of a consumer's credit history. And this: Starting July 1, 2017 the three major credit reporting agencies – Equifax, Experian, and Transunion – will no longer report public records like judgments and tax liens unless it contains the consumer’s name, address, and either Social Security number or date of birth. My judgments did not contain my SS# or DOB.
  6. Can't this be disputed as "not a consumer transaction?" It won't get rid of the $$ owed but may help with removal from your credit report.
  7. I would go to the NSLDS and see what's listed with respect to amounts/transfers etc. Just getting them off your CR is not enough. Student loan servicers can garnish without a judgment and file tax liens so it's important to have the whole story before you go any further. I know, first hand, how frustrating this is as I went down this road very early on. I'm definitely not a SL guru but fortunately, there are others on here that are experts.
  8. Technically 7 years isn't until Nov and Dec of 2020. I'm not sure what will happen since you disputed them as never late, but these would have aged off by the end of the year without the dispute.
  9. Target and BOA reported this way for me every month until they were deleted. Both were charged-off but not sold.
  10. Discover IT-$8,000 NFCU Flagship-$7500 I've opened quite a few new cards in the last couple of years. I was kind of surprised at the lower NFCU limit and was wondering if it's because I already have $49k limits between my NFCU sig cash rewards and AMEX plus $15k LOC and $17k PLOC?
  11. Nice work! I see you're also not trying EQ for early deletion....:)
  12. That's great! I called EX this morning and 5 were deleted--4 charge-offs and one paid collection. All were scheduled for removal by 12/2018. That leaves one charge-off on Experian. I could kick myself for not picking up the phone before now!!! Yesterday I disputed one account online with TU and it's gone. There's one left that I can get rid of next month and that's it for TU. I'm really hesitant to dispute with EQ as most of my charge-offs aren't updating and all should be gone by Feb/March. I started with 10 charged-off accounts and 10 collections (some medical) in 2014. "Only" one resulted in a judgment -not showing on my reports but the related paid collection has now been removed from TU and EX. I still have strings of late pays on several accounts which I paid in full either by payment plan or regular payments. Some of these are open while others are closed. All report "paid as agreed" with most of the lates coming from 2012.
  13. Good news! Just spoke to a rep at EX who was so helpful and friendly. He went through my CR with me and deleted 2 charge-offs due to fall off in October and said to call back at the end of next week and 3 more could be deleted. Interestingly enough, my husband recently disputed one of these, the only joint account we had, it was verified and updated on both of our reports. Luckily it was one that was just deleted! I've never had much luck with EX--everything usually comes back verified, updated ...pretty much everything but deleted, so this was a win for me

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