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  1. Congratulations!!!!! Navient is only on one of my reports. The other loans with the DOE are on all of them and will fall off by Jan 2019 (although I know they still on the CAIVRS).
  2. Thanks! After looking at my student loans on the nslds system, I have the contact info I need for the servicer. From researching other people’s situation, it looks like the garnishment remains while in rehab, but is stopped after the 5th payment. After the rehab is done, the loan is taken out of default and the borrower is given all repayment options that existed before.
  3. Thanks! Navient is not on there at all. The loans after the consolidation are still with the DOE and under wage garnishment (I have a separate thread about that). I am ordering a copy of my credit reports through the mail to see in detail how the loan is listed. I will create a thread after getting more information. Thanks!
  4. Hi! This was great info for me. I looked up my info on nslds.ed.gov to see about the loans that I consolidated with my spouse (now ex-spouse) when such consolidations were allowed. The loan is currently with Navient, in default, and the balance is an obscene amount (think a high end mortgage). So, the Navient loan does not appear in the list. I see the original loan consolidation which says “paid in full” with no principal balance. The total balance does not reflect navient, only my graduate student loans. I can conclude that the Navient loan is private, correct?
  5. Hello! I have a wage garnishment for my student loan. Is it possible to rehab the loan while it is in garnishment? If so, what is the process? The garnishment does not leave me with much left after bills. How would they determine the amount of the rehab? Will the garnishment eventually stop during the rehab process? Thanks in advance.
  6. So, the free annual reports are not available as mailed paper copies?
  7. Once upon a time, in a galaxy far, far away.... I stupidly agreed to consolidate my student loans with my husband's. His idea at the time and it seemed to make sense. One could say the exact same thing about the ensuing divorce. Anyway, this student loan is now some Cartman Trapper Keeper monster at more the 200k and almost 1500/month! My ex-husband has remarried and lives who knows where (been divorced since 2004). I have tried working with Navient, but they need both our signatures on any form. The loan sits on my Experian report (of course it's on THAT one) like a viper. I'd like to get a house in a few years, but I don't know if I can with this demon on EX. I don't know what to do because I can't afford to pay it on my own. Any advice? Or, catchy funeral hymns?
  8. Please explain your student loan situation and why going through NACA was best for you. Also, in addition to the payment shock, what additional funds did you need (reserves) to have in the bank? Did you have any other credit issues that you needed to explain and/or resolve? Thank you!
  9. Quick question on SCT, one has to be opted in for it to work, correct?
  10. I currently have an installment account (autoloan) and this credit card (Ceruleam mastercard, 18.9% interest, $99 annual fee, no monthly fees, credit limit increase in 6 months w/o any fees attached). My reports look bad (collections, bk7, student loans), so I am not planning on adding any more cards this year. I am going to take care of these two accounts and work on rehabbing at least one student loan.
  11. I am beginning to rebuild my credit. I just opened a subprime credit card which has a $99 annual fee charged on the first statement, leaving a $651 available balance. Is it better utilization to let the $99 balance report and pay the minimum due over 3-4 months or to just pay the whole thing off after it reports? Which method will yield the best score boost? Thanks!

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