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Hi, I think I have a couple legitimate claims on 2 lates for my FedLoan Servicing Student Loan. LEGIT CLAIM #1: submitted a deferment request in May 2013, which was denied repeatedly for no good reason. I faxed the paperwork over at least 4 or 5 times, yet they claimed they never had the full documentation. Also, for some inexplicable reason, despite requesting temporary forbearance during the time my deferment claim was pending, it wasn't processed correctly, unbeknownst to me. Therefore I unknowingly accrued lates during this time. After finally speaking to a competent manager, I was immediately approved for forbearance on July 10th, 2013 and backdated to May 8, 2013. I have read that others have had success getting late payments removed when there is a backdated forbearance granted,especially if it the lenders fault. I was on the phone with a Fedloan Rep for over an hour today, and she mentioned there were a lot of notes in my account during those two months regarding my requests, but none of those made it clear if was their fault, so I will hope for the GW for these lates, due to the backdated forbearance, but I have some other questions/back-up plans as well. LEGIT CLAIM #2 (See Attachment): Can someone explain to me how my all the CR bureaus are reporting OK for April 2013, then immediately 60 then 90 day lates for May and June, respectively????? This makes NO sense to me. There are only 2 months where I was supposedly defaulting, how can a 90 day late come from that? Or how can they skip the 30 day late completely? What about a grace period? Also, if the GW doesn't go through, and I can't get at least the 90 removed due to the timing discrepancy, is there any chance for negotiating a PFD? I've heard of this with credit card companies, but will Federal SL Lenders do it too? Thank you to anyone who takes time out of their day to help. It would be greatly appreciated!
I check my CR's online every 4 months. I have copies of my reports going back 15 years. While applying for a new apartment, I was informed I had to pay 2 months upfront due to negative on credit. I said "What are you talking about?" They said there was a bill for $698 outstanding. It was a medical bill. In May, I found that 5 year old medical bill (that was paid) still reporting on Equifax only. Disputed, was deleted. Checked Experian yesteday. Found collection for $10,090 backdated to 2010. Disputed immediately. Called Experian today, asked how this is possible? Experian said Collection Agency supplied the info and posted it there and Experian didnt question it. That their records show its been posted since 2010. That is impossible and I can prove it. They dont know I have 14 yrs of credit reports at home.... I NEVER got any bills or mail from collection agency or company that is saying I owe $10K. I lived in another state and was approved for an apt there no problems, and my new address was public record. A 10k collection for something I have not done, is going to ruin me. Should I wait to see if it gets deleted? Or should I begin legal proceedings? Please help