Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
zacriemaster

0 Contributions
0 People Helped
Stuck with what to do with my credit report
Hi everyone,

long time follower, first time poster! I've followed a lot of advice here to rebuild my credit and it has helped so much. I started with my credit score at a lousy 547 and now I'm at 604 (eqifax) 677 (transunion) and 645 (experian)

The main reason my credit isnt up to par is my student loans that i defaulted on. I have since been through the rehabilitation program and now have positive lines reporting but unfortunately the older lines from Nelnet are still reporting. There are 8 separate lines reporting negative information. The first 4 are just reporting the lates and are reported as closed. the other four are reporting the lates and saying they are in collections and still open.

I just want to know would disputing this do any good? Does anyone have any experience dealing with the rehab program and still having negative information? the student loans are from 2009, and they have seemed to not have updated them since 2011.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7370 Contributions
3810 People Helped

Student loans are a big pain on credit reports but you can't dispute them because they are a legitimate debt and they remain collectable until paid.  Do continue the rehabilitation program because that will eventually get you positives on your credit.  I am disabled and had to go through a period of time until the loans were discharged (can't work at all) and they still had a negative effect for a few more years.  Just hang in and keep doing positive things for myour credit.  They will be noticed for your benefit. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.