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Joined: 16 Jan 2009
asecondchance's page
Posts: 2

95 Magic Points

Subject: Sallie Mae
Posted on Sun Oct 04, 2009 7:23 pm  

My husband have 3 student loans but on his credit report they are listed 12 times. Some have chargeoff some have bankruptcy 7. But we are still paying them and on time. Is this hurting his credit scores? And if so, how do I go by having them removed?



Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Mon Oct 05, 2009 6:03 am  

Hi asecondchance,

First, I think you need to dispute with the CRA regarding the inaccurate number of listings on your report. Send a dispute letter to the CRA stating what the inaccuracy is and that you are asking them to remove it.

Having 'charge-off' and 'bankruptcy 7' in your credit report can definitely affect credit scores negatively. I don't think much can be done about the bankruptcy part since it stays on the credit report for 10 years. However, you can strike a deal with your creditor regarding the removal of 'charge-off' from your report. Write a
pay for delete letter to the creditor asking him to remove the negative item from your list against the debt amount which you are paying. Now that you are paying the debt amount regularly, I think the creditor will not have a problem accepting your proposal.
All the Best Smile

Joined: 12 Jan 2010
ami's page
Posts: 8

165 Magic Points

Posted on Tue Jan 12, 2010 11:36 pm  

I had one student loan that was listed twice. I filled out an online dispute and it was corrected in one shot.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

123 Magic Points

Posted on Wed Jan 13, 2010 4:37 pm  

usually if it is a simple error like that it is easily taken care of. Others that are more complicated can take a bit longer.

Subject: Wrong Listing
Posted on Tue Jan 26, 2010 10:31 am  

Hi asecondchance,

You should send a dispute letter to the CRA explaining the wrong listings on your credit report. Request them to correct these inaccurate information.

The "charge - off" and "bankruptcy 7" does lower credit score. Other than this continue paying the dues in time, which you are already doing.

All the best,

eva ramos

Subject: justice credit solutions
Posted on Tue Mar 16, 2010 11:50 pm  

hi i'm form justice credit solutions, i know a solution representative that could help you with your problem. just e-mail me if you're interested.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

450 Magic Points

Posted on Wed Mar 17, 2010 3:01 am  

I agree, I think just a short letter to explain things that it is all it would take to clear it up. You should at least give it a try, let us know how it works out for you when it is all done.

Subject: sick of the colln agencies
Posted on Fri Oct 12, 2012 6:46 pm  

I'm no expert. But I think these people and companies are missing a step. Regardless of who you know and how much you can flex your power, there's a bigger "company" to report. You can be assured that if you required somebody's ssn, date of birth and it involved money in some kind of way to "do business" then the IRS will need to know. Ever heard of an audit. That's why I think crap stays on your credit report for 7 years!!! We're all at a loss if all credit agencies think the same.

Posted on Sat May 11, 2013 11:27 pm  

I am trying to buy a house and on my credit report it shows a deliquency charge on my sallie mae account. I had recently moved and did a change of address. I also called Sallie Mae to tell them my new address. What can I do to have them take of the deliquent comments on my credit report

Joined: 17 Aug 2013
soaplady's page
Posts: 41

316 Magic Points

Posted on Sat Aug 17, 2013 5:22 pm  

Student loans, especially default ones CAN legally report multiple times.
crorkz matz

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