Disputing Negative Hit on my Credit Report

Sounds like you made your forebearance payment a few days too late.

1. There is an DOE Ombudsman office you can call for advice.

2. You can request an administrative review re: treatment/default from your loan provider

3. The websites of the bureaus have instructions on how to contest information.

I'm confused. When you talked to Sallie Mae, did they give you a date you had to make the payment by, and did you make it by that date?

Did it take them a few days to process the forbearance payment, or, a few days for them to decide to give you a forbearance? If it's the latter, that seems reasonable.

Did you talk to them multiples times throughout the process that you were unable to make payments?

You can always start a dispute with the credit agencies.

They told me I had to make a payment (either forebearance or in-full) by the end of business on the 20th so I paid the forebearance on the 20th, since I did not have the in-full amount. Their records even show I paid the forebearance on the 20th. But they claimed it took a few days to "process" this through their system and that the credit claim was already placed. WTF? I know... Then they say a direct payment to the loan will post immediately. I requested to talk to the manager about this and that babbling baphoon tells me the same unclear shite.

Yes I had/have told them multiple times I had medical bills pop up that I had to pay off, and dispite me trying to restructure the loan through them, they refuse to do so.

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Did they review your case, then decline or was it a flat no? Seems once you get back on track w/ your payments, they should be willing to work w/ you on removing that from your credit report.

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They claimed to have "reviewed" my account, but these idiots are less educated than 99% of the borrowers they answer calls from. They said they would not withdraw the credit report on their end but that I could take the documentation I have, which they confirmed and are sending me copies of, to the credit bureaus to dispute the claim.

The medical bills are now gone and I'm back on track paying my student loan payments, but to me, it sounds like Sallie Mae (at least the people I talked to) agree with me but regurgitate their spoon fed line. Probably because their managers do not feel like dealing with the credit bureaus and put it on the borrower to fix due to it being easier on them.

I fail to see how Sallie Mae are crooks.

Have you not read up on them? Haha They are about as crooked as they come. They have ridiculous interest rates, and refuse to work with borrowers at all. I have been working for 2 years now and I had not missed a payment until these medical bills came up. After 2 years of timely payments, some dating back to while I was in school, I tried to have my guarantor taken off the loan. They refused to do it. Then when the medical bills came about, I tried to restructure the loan and extend the terms (which would ultimately make them more money) but they refused to do that. They refuse to do anything but accept payments. They also harass me about my loan when I go 3 days past due. 3 days... They call 4 or 5 times a day. I have another small loan through Great Lakes and they never hound me like Sallie Mae. Even when I have gone past due, they call me once or twice or send me a single email stating so. With SM, they bombard borrowers. Great Lakes was even willing to give me a year long forebearance on a loan. Luckily I did not need to do it, but the fact they were willing to work with a borrower showed me a lot. Sallie Mae is ruthless, heartless, and flat out crooked.

Oh and here is a fun article citing SMs crooked rules. This shite has me wanting to refinance through almost anyone at this point. Screw them.

LINK

For future reference, if you are going to go past due on something make it the medical bills. There is actually a nationwide movement by lenders to reduce or even eliminate the impact that medical collections have on your credit score. When I look at credit bureau reports and see years of positive history and medical collections I pretty much ignore the medical collections.