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  1. Lovely Navient is posting 4, yes 4 charge-offs on my credit report. I'm starting with Equifax. Round 1: Disputed because there was still a past due balance showing on the charged off accounts (all of them). One Navient Account deleted, the rest were "verified." Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts. They still show a past due balance, even though the debts were sold to a collection agency. Round 2: Sent a method of verification letter to Equifax. Equifax responded with a "We don't have a credit file for you" le
  2. Hi, I sent "factual" disputes to Equifax in May with screen shots. Instead of deleting, they "updated." I'm not sure what my next step(s) are? Should I request method of validation/verification now? TIA!
  3. I unfortunately have SEVERAL private loans with Navient that have charged off. Not only does Navient report the charge offs (4) every month, now the collection angencies that they have sold the debt to are reporting. I went from a 610 to a 460's on all three bureaus. 1. Can they do this? 2. Has anyone ever negotiated a successful pay for deletion? 3. Should I dispute with the CA or Navient? Or what is the best strategy to use here. I have over 300K in student loans (rest are Federal) but Navient would never negotiate payments that worked for me, I trie
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