credit_68 Posted April 27, 2007 Report Share Posted April 27, 2007 I have reconsolidated student loans. Upon reconsolidation, the company listed my account with their name on EQ and EXP; but listed as a bank they use on TU. In school, so loans are deferred until 6/09. I have a 60 day late AUG06 with reported on TU and EQ. Already disputed. Of course verified. I was thinking of using the angle of credit discourse caused by debt to income ratio by having two different listings amongst the 3 CRAs. They corrected name on TU. Should I use a goodwill with this tradeoff approach? Double listing to delete derrogatories? OR standard goodwill? Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 27, 2007 Report Share Posted April 27, 2007 If it's a double listing, then dispute with the CRA. Doubles are only allowed when it's an OC and a CA.If there's also a valid late, yes, trying GW. Link to comment Share on other sites More sharing options...
LynnInMN Posted April 27, 2007 Report Share Posted April 27, 2007 GW doesnt work for student loans. The government requires valid lates to be reported. Student loan reporting is complicated. The lender, servicer and guarantor if you defaulted can all report. If the loan is sold off, it can report too. Link to comment Share on other sites More sharing options...
beeboah Posted April 28, 2007 Report Share Posted April 28, 2007 In my case, I contacted my State Senator. State Senator asserted "no" I cannot help you. In reality, lates were removed one day after the letter I received from the Senator.Was next to impossible to get the lates removed, but I got it done. I don't know if this will work for anyone else.My lates were not being reported correctly, and Student Loans took the disposition that even though my forebearance retroactively covered prior lates for 2 months prior that I was still in fact late. I didn't see it that way, and neither did someone else apparently.Hope this helps. Link to comment Share on other sites More sharing options...
LynnInMN Posted April 28, 2007 Report Share Posted April 28, 2007 Retroactive forebearances do not apply to past lates. This is standard with student loans. It is the borrowers responsiblity to file for deferments/forebearances before any payments are late. IMHO retro forebearances are not worth the paper they are written on. Link to comment Share on other sites More sharing options...
beeboah Posted April 30, 2007 Report Share Posted April 30, 2007 Retroactive forebearances do not apply to past lates. This is standard with student loans. It is the borrowers responsiblity to file for deferments/forebearances before any payments are late. IMHO retro forebearances are not worth the paper they are written on.*FREEDOM OF SPEECH*Not necessarily true. State Senator/DOE obviously thought otherwise as stated in my last post. If retro forebearances aren't worth anything, why was the DOE so reluctant to provide me with one? I think it's because that the CRA/OC might be held liable if you could show the judge evidence that your loan was deferred/put into forebearances retroactively.Might not win, but I am willing to take that to small claims court in my jurisdiction. Link to comment Share on other sites More sharing options...
PolarBearnCO Posted May 6, 2007 Report Share Posted May 6, 2007 If it's a double listing, then dispute with the CRA. Doubles are only allowed when it's an OC and a CA.If there's also a valid late, yes, trying GW.Pretty sure SLs can be triple listed, depending on current situation. If you default, the SL will be listed by OC, guarantor, and CA. Once I rehabbed my loans, only my OC TLs remained and I have a new TL from the new consolidation holder. Link to comment Share on other sites More sharing options...
deedee Posted May 31, 2007 Report Share Posted May 31, 2007 In my case, I contacted my State Senator. State Senator asserted "no" I cannot help you. In reality, lates were removed one day after the letter I received from the Senator.Was next to impossible to get the lates removed, but I got it done. I don't know if this will work for anyone else.My lates were not being reported correctly, and Student Loans took the disposition that even though my forebearance retroactively covered prior lates for 2 months prior that I was still in fact late. I didn't see it that way, and neither did someone else apparently.Hope this helps.Can you post a copy of the letter you sent your state senator please?Thanks Link to comment Share on other sites More sharing options...
ad2s07 Posted June 1, 2007 Report Share Posted June 1, 2007 I have a student loan with Great Lakes Higher Education and I have alot of lates being reported. So I decided to goodwill them, I just sent the letter out yesterday. I will keep u posted on the results. Link to comment Share on other sites More sharing options...
LynnInMN Posted June 1, 2007 Report Share Posted June 1, 2007 I have a student loan with Great Lakes Higher Education and I have alot of lates being reported. So I decided to goodwill them, I just sent the letter out yesterday. I will keep u posted on the results.You wasted a stamp. Great Lakes follows the rules of reporting. Link to comment Share on other sites More sharing options...
ad2s07 Posted June 1, 2007 Report Share Posted June 1, 2007 You wasted a stamp. Great Lakes follows the rules of reporting.My job did! oops! lol! I guess anything is possible. I'll just have to see. Link to comment Share on other sites More sharing options...
PolarBearnCO Posted June 11, 2007 Report Share Posted June 11, 2007 My job did! oops! lol! I guess anything is possible. I'll just have to see.Oh goodie. You messed up your credit and now you want to try to get fired too. You may want to learn to evaluate cost and benefit. Saving 39 cents to risk a job is probably not the best of decisions. Good luck in the future. Link to comment Share on other sites More sharing options...
someonesomewhere Posted June 11, 2007 Report Share Posted June 11, 2007 Saving 39 cents to risk a job is probably not the best of decisions.To say nothing of the fact that it's now 41 cents to mail a letter. Link to comment Share on other sites More sharing options...
ad2s07 Posted June 11, 2007 Report Share Posted June 11, 2007 Oh goodie. You messed up your credit and now you want to try to get fired too. Good luck in the future.So I'm assuming your credit is spotless oh! you have A1 credit right and you're here giving your expertise on how to maintain excellent credit. I was merely making a joke about the stamp and I doubt I will get fired because you know why, I did get permission from my boss. So before you start passing judgment on people please get all the facts. Good luck to you also. Link to comment Share on other sites More sharing options...
someonesomewhere Posted June 12, 2007 Report Share Posted June 12, 2007 Let's all take a big breath in, and avoid being a Big Girl's Blouse. Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted June 15, 2007 Report Share Posted June 15, 2007 Let's all take a big breath in, and avoid being a Big Girl's Blouse.And stay out of my closet! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted June 15, 2007 Report Share Posted June 15, 2007 You're in the closet? Link to comment Share on other sites More sharing options...
someonesomewhere Posted June 15, 2007 Report Share Posted June 15, 2007 And stay out of my closet!SAW is in the closet?! Must find a way to get her and Chasey together. Amerikaner83, bring the 8mm.On deck! On deck! I want movement! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted June 15, 2007 Report Share Posted June 15, 2007 8mm??? hehe your intel is WAY OFF there buddy! But i would not mind being a fly on the wall in SAW's place that's for sure. Link to comment Share on other sites More sharing options...
Lyssarene Posted June 16, 2007 Report Share Posted June 16, 2007 I am sure she has a big fly swatter -- be careful Amerikaner Link to comment Share on other sites More sharing options...
Amerikaner83 Posted June 16, 2007 Report Share Posted June 16, 2007 oh I'm quick, no worries there................wait. Not like that, you sickos!!! Link to comment Share on other sites More sharing options...
Lyssarene Posted June 16, 2007 Report Share Posted June 16, 2007 <wipes coke off of the screen> next time warn me Link to comment Share on other sites More sharing options...
someonesomewhere Posted June 17, 2007 Report Share Posted June 17, 2007 8mm??? hehe your intel is WAY OFF there buddy! What? Ya mean you have a digital camcorder? Sweet! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted June 18, 2007 Report Share Posted June 18, 2007 What? Ya mean you have a digital camcorder? Sweet!Yeah, that's it. Let's go with that. Link to comment Share on other sites More sharing options...
someonesomewhere Posted June 18, 2007 Report Share Posted June 18, 2007 Yeah, that's it. Let's go with that.But the sound of that 8mm recording just seems oh so appropriate while filming Chasey and SAW. If it feels like a porn flick, then it should sound like one. Link to comment Share on other sites More sharing options...
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