Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
Thanks The servicer hasn't gotten back to me yet, so I'll send note to the ombudsman. [unexpectedly, my scores all raised ~60 points because I started paying my low-limit credit card a week before the invoice gets generated]
Long time listener, first time caller. I've got some lates that were generated during forbearances and deferments -- pretty typical. Across the two loans they add up to 33 (!) lates, which is the biggest issue with my credit score. The plan is to do a basic direct dispute citing the forbearance, then dispute citing the FTC-Harris opinion with the DOE and Great Lakes. I've started by doing a basic WTF inquiry with the servicer. CFPB complaint if that doesn't work, and hopefully not a suit (oy). Sadly none of the "your forbearance has been approved!" letters have effective dates on them. But here's the kicker: these loans have the wrong middle name attached. I've tried getting every servicer to correct it, send a copy of my passport, and they all refuse. The origin seems to be one $2000 loan from 2003 that was part of a consolidation loan ~2008. Obviously it's my debt that I'm paying, but is this another angle for dispute? My hope is to clear this up to be able to qualify for a mortgage this summer. It may be the impossible task, but I have to try at least. FICO is 577 with one late credit card payment and three collections (two un-collectible from PRA that are mid-dispute).