I opened two student loans in 2006, and over the years I placed them either in deferment or forbearance status. I finally paid them both off in October of 2019. Both loans are reported as closed accounts but reflect late payments from a few times over the years I did not renew the status. Is there a way for me to remove them from my credit file? Does the 7-year statute apply because the loans were opened in 2006? Any help would be greatly appreciated.  ..read more

I have two VERY old (from 2008) private/NOT federal student loans that were bought from a new servicer earlier this year. I thought they were setup on autopay but apparently they were not. I am currently showing two 120 day late pays on all three credit reports which of course has killed my credit scores and sent me over the edge into a deep depression. My husband was wanting to start looking at a new home and I have killed whatever chances we had of doing that anytime soon.  My thoughts... the balances on both loans are low and can be easily paid off. $1400 total  What are my chance ..read more

Good morning, I've been on a roll with fixing my past mistakes and paying my federal school loans off this month with the fresh start program!    One issue that has me perplexed is my federal school loans are showing an open date of 7/17 on my credit report. I originally opened and default the loans in 2010 with pheaa/AES and the loan never changed hands over that time. I did attempt the rehab in 2017 but it was never paid on due to bad timing of a job loss.    I am currently waiting on PHEAA to send me payment history, but outside of that what else should I ask for to get ..read more

I've been in repayment for years but my plan has been income driven or the other one that I can't remember the name, but my payment has been $0. I recently received an email telling me about a new plan. I'm wondering if others have looked into and made some decisions. my email: You’ve been making payments on your student loans during the payment pause, but you should still make sure you understand what the end of the COVID-19 student loan relief means for you. The 0% interest on your student loans is ending. Student loan interest resumes on Sept. 1, 2023. This means your loans will start acc ..read more

i finally got my student loans paid and got my credit repair, whats next ..read more

Private Student Loan Navient Opened: 8/2007 Last Payment: 12/2011 Closed: 7/2018 (sold to anther lender) Account Status: Transferred   Appears on Reports As TransUnion: Current on 8/2017 then 90-119 days late on 9/2017. Last reported to TransUnion on 7/2018 Equifax: Account does not appear  Experian: Account does not appear   Notes -Loan has gone in and out of repayment due to full time college student deferment.  -Other Navient Accounts appear on all 3 reports -No 3rd party collection attempts have been made, nor has the debt been sold (no notification of this from new tit ..read more

Student loans keep updating as if they were recently opened and showing as if payments have been made. Which never happened. Over 10-14 years old. How do I get them deleted ..read more

I filed a Direct 609 Letter and sent it to all 3 Bureaus. Of course they returned the dispute verifying the account so I went to CFPB. After they processed my claim all of the Student Loan accounts that I disputed was then reported as closed accounts. How do I remove them from my Credit Report ..read more

Hi, Student loans company keep sending me letters saying they owe me £177 which i overpayed in Student Loan. They send me a letter with a phone number to ring. When i ring the number, the Phone-bot says it has sent a number, and asks for this to be keyed in...however, i dont have a smart phone, so i cant get to this number whilst on the call. Do you know any way round this? (it sends the number as a text, which i cant  get to whilst on a call) I have actually written a (ink-pen) letter to student loans co in Glasgow, giving all my details including bank details, but they still just keep s ..read more

Millions of borrowers may be eligible for a refund on student loan payments made during Covid. Here’s what to know ..read more