Ok, I may have to break these up into several posts because I don't get too much time in one sitting....
Plus, maybe that will make it easier to digest. :p
Quote:
Originally Posted by Arun42  B B FT HOOD NATIONAL BAN
10000000008039570
02/01 05/00
01/01
$652
INST
$0
009 $0
$0 9 0 0 0 PAID
XP/TU/EF
.
.
B B ROME FINANCE COMPANY
311043
10/09 09/06
08/08
$4919
REV
$0
$0
$0 99 0 0 0 AS AGREED
XP/EF
CHECK CREDIT OR LINE OF CREDIT
.
.
B B SALLIE MAE
3050277811046
01/05 08/02
08/04
$2625
EDU
$0
120 $0
$0 7 0 0 5 PD WAS 120+
XP/TU
Late Dates: 11/04-150+, 10/04-150+, 9/04-150+, 8/04-150+, 7/04-150+
DEBT BEING PAID THROUGH INSURANCE; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE
3050277811036
01/05 08/02
08/04
$4000
EDU
$0
120 $0
$0 7 0 0 5 PD WAS 120+
XP/TU
Late Dates: 11/04-150+, 10/04-150+, 9/04-150+, 8/04-150+, 7/04-150+
DEBT BEING PAID THROUGH INSURANCE; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE
3050277811026
01/05 03/02
08/04
$3400
EDU
$0
120 $0
$0 7 0 0 5 PD WAS 120+
XP/TU
Late Dates: 11/04-150+, 10/04-150+, 9/04-150+, 8/04-150+, 7/04-150+
DEBT BEING PAID THROUGH INSURANCE; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE
3050277811016
01/05 03/02
08/04
$2625
EDU
$0
120 $0
$0 7 0 0 5 PD WAS 120+
XP/TU
Late Dates: 11/04-150+, 10/04-150+, 9/04-150+, 8/04-150+, 7/04-150+
DEBT BEING PAID THROUGH INSURANCE; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE SERVICING
3050277811046
08/03 06/03
--/--
$2625
EDU
$0
UNK $0
$0 2 0 0 0 PAID
XP
STUDENT LOAN-PAYMENT DEFERRED; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE SERVICING
3050277811036
08/03 06/03
--/--
$4000
EDU
$0
UNK $0
$0 2 0 0 0 PAID
XP
STUDENT LOAN-PAYMENT DEFERRED; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE SERVICING
3050277811016
11/02 08/02
--/--
$2625
EDU
$0
UNK $0
$0 4 0 0 0 PAID
XP
STUDENT LOAN-PAYMENT DEFERRED; TRANSFERRED TO ANOTHER LENDER
.
.
B B SALLIE MAE SERVICING
3050277811026
11/02 08/02
--/--
$3400
EDU
$0
UNK $0
$0 4 0 0 0 PAID
XP
STUDENT LOAN-PAYMENT DEFERRED; TRANSFERRED TO ANOTHER LENDER
. |
.
Ok.....I'm going to stop there so this will all be SL related.
The first two and the last four that are NOT highlighted actually appear to be reporting positively. If I am missing something, please let me know.
Regarding the ones that are in red, were these charged off? Are they still currently being paid on?
One thing you can do for lates (and this is with pretty much any type of debt) is to try a goodwill letter. This is basically just a letter explaining your situation or hardship and why you were unable to pay.... apologize, beg for forgiveness, promise that it will never happen again....and ask them to remove the late notations.
Now I will warn you up front that SLs are going to be VERY difficult. There are a different set of laws they go by and they may tell you that by law, they are not allowed to change or remove notations unless it is their mistake. It still never hurts to try.
Another option is to dispute them with the CRAs as never late.
I will try and come back soon to address the others you posted.