I have a student discharge loan due to disability. What must I do to get that removed from my credit report?
969850
My understanding of the Student Loan Process in the past 7 years I have been attending and the past years I have helped my son with his college tuition, is that THERE IS NO RELIEF from PAYING STUDENT LOANS.  The only way you get out of paying off your Student Loans, is if you die.  They are then forgiven for the families benefit.  You do not get out for what you mentioned, you do not get out for Filing Bankruptcy.  You can thank President Bush and his pals for rewriting part of the Student Loan process.  They also reduced many of the student loan amounts that used to be available.  If I am wrong, then the Financial Aid people who just returned from training this past fall were given the wrong information by the government.
830111
You have just stumbled into the trap that I have tried warning people about for months now!\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must remove it\n2) The creditor fails to respond to a credit bureau investigation request.\n\nOnce you have paid the creditor, you are going to find it extremely difficult to get them to cooperate in fixing your credit.  \n\nThat is why I warn people who are going to pay off old debts...make the creditor agree IN WRITING to delete the entry once the bill has been paid off.  Don't pay them a dime unless they agree to do it.\n\nNow you are broke, and you still have bad credit.  Is that fair?\n\nAll you can do now is start the dispute process.  Note that even though you paid off this debt, the creditor is only REQUIRED to show that the debt has been paid off, but it will still show reports of late payments, charge offs and collections.  It will still be a negative report. \n\nBut it at least should show the bill is paid.  Failure of the credit to update your credit history is a violation of the Fair Credit Reporting Act.  If they don't update the listing, you can sue them for $1000 in small claims court.\n\nSend a dispute letter to both the credit bureau and the creditor.  But note that it sometimes takes a couple of months for these updates to show up on your report, so you need to be patient.
597152
People like Zandelia need to be spanked for constantly referring freecreditreport to people.  I'm getting more convinced they get kickbacks by sending people there.\n\nGo to http://www.annualcreditreport.com and get a FREE, NO GIMMICKS credit report.  This is the site that was set up to handle the government mandated free credit reports.\n\nOnce you have your report, it will show all of the delinquent accounts you have, and their contact information.  Contact them and negotiate a settlement.\n\nBE SURE that you get them to agree IN WRITING to remove any negative information that they placed on your credit report.  Remember, the reason you are paying your debt is to fix your credit score.  It does you no good to pay them if your credit will still reflect these unpaid balances.  You will find that once they have your money, they will be very uncooperative in fixing your report.\n\nAlso note that just placing "paid" on your account does not remove the negative information such as late fees, or collections.  They must either show on your account "Paid as Agree, Never late", or simply remove the listing entirely.\n\nYes, it's legal.  They may tell you they can't do it, or it's against the law, but they are lying.  I've done it, and I've helped many others do it also.  Nothing in the Fair Credit Reporting Act prevents a creditor from removing their own reports.  \n\nGood luck
60752
#1...persistence...never give up...\n#2 Documentation of problem...from the time it happened to present...gather all doctor's appointments and results of all tests...statement from doctor's that the disability was actually a service connected disability...also records from his military health records describing the problem...\n\nBoth are "most" important...if you have every record and medical info sheet that exists, then persistence is best.
875668
you need to talk to your doctor, if he has documented you disabilities it's you doctors reports that persuades SSI your need for benefits.  By all means file, and put your doctors name as physician, as it was explained to me the Doctor's report is a deciding factor, SSI will send you to a doctor of their choice, for a second opinion,  As it was explained to me you are not expected to take a job of night clerk or anything.  If you are disabled where you cannot do the work you have been trained to do you are disabled.  I wasn't expecting to get disability, but my income had decreased due to working at a lower level, but could not continue and my income reflected the lower level, so got disability within a month.  Health insurance was a problem had to wait to get on medicare,
787669
www.experian.com\nCheck your credit reports, like Experian, and they will show you your defaulted loan.  Also, call the company you have the loan with and they should mail you the information or refer you to the collection agency that is now handling your loan.
657100
Providing you havenet used it yet, student loans come wiht what is called a forbearnce. Its used in times of hardship. YOu need to call your loan provider and see if you can apply for them. You may not be able to now that you've defaulted but its worth a try. the forbearnce will bring you current, and maek it so you only have to pay the intrest on you loan. I had to use it.
1046655
Here is some information on an article I wrote back in December 2005\n\n"How long will collection or other derogatory information stay on your credit report?"\n\nCredit information can and usually stays on a person’s credit report for 7 years. You can use the information below as a reference to guide yourself and figure out how long derogatory information stays on your credit report\n\nGeneral credit information: 7yrs\nCollections: 7yrs from date of last activity\nBankruptcy: 10 yrs\nForeclosure: 12 yrs from the date filed\nGarnishment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nJudgment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nTax lien: 12 yrs from the date or entry or 7 yrs from the date satisfied\nDismissed garnishments, judgments, and tax liens: not reportable\n\nNow that you have this information I’ll give you an example similar to a client. The agent he had worked with before gave him the wrong advice.\n\nLets assume that you had a collection for $1,000 filed against you in December 1998 and you haven’t paid it. It’s now November 2005, so in a few weeks that collection can come off your credit report. (You will probably have to request all three credit bureaus to take it off your credit report). However, you just applied for a loan today and the loan officer tells you that you need to payoff that debt in order to be approved. Since you have the money to pay it off, you do so. Because the date of last activity is now November 2005, the collection will show on your report until November 2012 – another additional 7 years.\n\nNow let assume that this collection was in June 2005 and you pay it off in November 2005 to obtain the loan, this will reduce your credit score. On the other hand if this collection was in September 2005 and you pay it off in November 2005 to obtain the loan, this will actually increase your score. My point is that a collection account that is less than 6 months old and is paid off will be beneficial but if your collection account is more than 6 months old and is paid off this will be detrimental to your credit score.\n\nYou as a consumer can request copies of your credit report from the 3 credit bureaus (although it’s better to get a collective report from all three in one which I can help you with) and dispute information that is incorrect. Incorrect information can be corrected or removed but correct information (good or bad) usually stays on the report for the period allowed. Only the credit grantor (lender/bank) or credit bureau can remove correct information.\n\nIf you find incorrect information on your report, contact the credit grantor obtain an explanation, have them corrected and ask them to contact all three credit bureaus and correct that information on your report. After this you should also contact all three credit with a letter with documented proof of the error on your report and ask them to remove this information. The credit bureaus by law have to respond to your letter and request. Depending on your case they might approve or deny your request but they have to respond to your letter. Following are the addresses for all three credit bureaus.\n\nTrans Union\nPO Box 4000\nChester, PA 19022\n866-887-2673\nhttp://www.transunion.com/\n\nExperian\nPO Box 2002\nAllen, TX 75013\n888-397-3742\nhttp://www.experian.com/\n\nEquifax Credit\nPO Box 740241\nAtlanta, GA 30374\n800-685-1111\nhttp://www.equifax.com/
202723
You can't. Getting paid off the books is illegal under many different laws.  Tell him your situation and he can probably pay you less on the books to make sure you maintain your disability.\n\nEither that or stop milking the system.
311143
Hi, RecoverySue:\n\nFirst, your credit report is NOT the best indicator.  Don't rely on that.  Sometimes, it takes months or even years (if ever!) before a creditor reports to a credit agency.  If they don't report on a regular basis, you could still owe money and be delinquent, and never know!\n\nHopefully, you still have your loan paperwork.  If so, contact the phone number listed ASAP.  In general, I've had good experiences with student loan companies, however, they have hundreds of thousands (millions?) of accounts so don't rely on them to follow up with you.\n\nIf you don't have your loan paperwork, contact your college for the contact information for the loan company.  They should have it.\n\nIn general, the guideline is this:  If you dropped out of school DURING the allowable time and you were entitled to a refund of your tuition, then that tuition money should've been credited back to the financial aid office.  However, if you dropped out AFTER the deadline and you can't get any refund, then you may be (and probably are) still responsible for 100% of the tuition that was loaned to you.\n\nWhatever you do, don't delay in finding out.  The longer you wait, the harder it is to get copies of medical records and other information that may help strengthen your case.  Also, if you need to be put into a repayment plan, you need to know that ASAP before your loan goes into default (which results in higher interest payments, nasty letters, etc.).\n\nI've attached the link below to the FSA/US DOE Web site, which may help you, if all other attempts to contact the school and reference your loan paperwork fail.\n\nGood luck!
602304
juzme is completely wrong, so ignore that nonsense.\n\nLet me clear up a couple facts about credit reporting.\n\nCredit Reporting Agencies will report (or remove) any negative information that the creditor tells them.\n\nThere is no law preventing a creditor from removing his own credit information...even if it is correctly reporting a late or charged off loan.  All they have to do is tell the Credit Reporting Agency to delete it.  Many times they will try to tell you they can't, or that it's illegal.  Believe me, they can do it.  I've read the law...I've had it done for myself and many other's i've worked with.  They are simply either lying or completely ignorant.\n\nNow, that said, there is the trick.  Once the creditor has your money, you have lost all leverage in getting the creditor to delete the negative report.  So, before you pay them a time, get them IN WRITING to agree to remove the information.  \n\nYou need to sit down and work out a serious budget, and find out how much you disposable income you have to pay down these debts.  Then start contacting your creditors and work out a plan.  Ask to have your balance lowered, freeze the interest and late fee payments, and whatever they will do to help you out.  Most times you will get a cold shoulder, other times they will work with you.  Work on paying the bills that most recently went into default, or to those who are offering to help you with your debt.  Then do the best you can.\n\nIf it helps, defaults that are from a medical charge are reported that way on your credit report.  It still looks ugly, and doesn't help your credit score, but if the creditor is actully looking at your credit report and not your score, it may help your situation a little bit.
200050
The first thing to do is, in fact, contact your lender.  However, as long as you are enrolled on at least a half time basis (6 credits) each sememster, your loans should be deferred.  Your school should report your enrollment status to the National Clearinghouse, which is then reported to your lender and guaranty agency.  An ideal website for you to check is http://www.nslds.ed.gov/  \nYou can check your loan status and enrollment status.
843276
If your student loans are currently deferred (not required to make payments) for more than 1 year, it's possible to exclude them from your debt ratios under FHA and VA loan programs.\n\nAlmost all other loan products will require that they count against you, whether you are currently making payments or not.\n\nAnd they will all affect your credit rating.  In fact, student loans can be particularly dangerous after you've consolidated them.  Even after consolidation, usually you will still have multiple underlying accounts being reported to the credit bureaus.  Miss one consolidated payment, and you could show multiple late payments on your credit report.  Ouch.
775214
I am sorry but student loans that are underwritten (or subsidized or guaranteed) by the federal government can not be included in bankruptcy proceedings.\n\nIf you have a bona fide disability, I would suggest that you apply for Social Security Disability Income through the Social Security Administration.\n\nThe federal government is open to possible deferment of student loans in times of disability and low-income, but you can pretty much forget "forgiveness" of loans unless you are performing some kind of Peace Corps service or entering a field where there is a high need for human resources.\n\nIf in doubt, call the Department of Education and they have government assistants who can answer all of your questions about student loans.
556793
Have you called your lender yet?  If you haven't, RUN to the phone.  Apologize like crazy; tell them that you want to take responsibility for a loan that you *chose* to borrow.  Then ask if there is an alternate payment plan that they can place you in so that you can better manage your monthly payments to (a) get out of default and (b) STAY out of default.\n\nThey may not be chomping at the bit to help you since, frankly, this default didn't "creep up on you."  It generally takes SIX months of non-payment before a lender places your student loan in default.  To put it another way: your lender has been trying to contact you for the past six months.  After you missed 1 payment, you were placed at a "delinquent" status, but they gave you a second chance... in fact, they gave you *five* second chances.  When a lender sees that you are in danger of defaulting, they begin looking for any inkling that you are trying to pay. A phone call might have been all they needed to help you avoid default, but when your lender didn't hear from you, their natural assumption was probably that you didn't care to take responsibility for your loan, your credit rating, or your fiscal well-being.  This is why you have to show them that you ARE responsible.\n\nI know this all sounds harsh, but it is a big deal and, chances are, they will have a similar reaction if you don't call them (or if you do call but try to lay blame elsewhere).  It's not too late to work with them, but now that you are in default, it is going to be an uphill battle to resolve your default and restore your newly-tarnished credit.\n\nhttp://www.usafunds.org/forms/dpdm133.pdf?ID=39
623362
When I got my disability they pulled up every job that I have had in my life. So I think they will just pull it up for you. IN the part that I had to write down I just filled it out with my most recent jobs, then when I went for the meeting they pulled all of them up. Good luck!!
358784
Yes, there are ways to remove some of the bad entries in your report.  If you want to go to battle, read the links I've supplied below.\n\nDo not waste a dime going to any of those credit repair places.  They will charge you a lot of money to do the exact same things you can do yourself, and they will be just as successfull.  \n\nHere is a real quick rundown on what to do....\n\nGet your credit report (for free) from www.annualcreditreports.com.  Study them carefully for any errors and negative reports.\n\nKeep a carefull log of any calls you make, who you talked to, and any letters you write.  Be sure they are sent by certified mail.\n\nExamine your report for any debts that have run over the Statute of Limitations.  Also carefully note the reporting dates of each item.  According to the Fair Credit Reporting Act, they can NOT be listed if they are older the 7 years BEGINNING ON THE DATE OF DEFAULT!  Creditors and collection agencies are good at moving up this date, or even reinserting it after it has expired.  Verify this date with your own records if you have them.\n\nSend a letter to the credit reporting agency (CRA) and protest any negative information.  The CRA will then "verify" the debt with the creditors.  That means that all the creditor has to do is respond back within 30 days and say the report is accurate.  They don't have to prove anything or supply any paperwork.  If they don't respond within 30 days, the CRA must REMOVE the entry.  This works great with some older debts.\n\nIf the debt gets "verified" (you get a letter from the CRA), then write the creditor a "Demand for Validationn" letter.  (See the link below).  Validation mean they must supply you with contracts, bills, receipts, and everything that was used to calculate your debt.  This,again, is in accordance to the Fair Credit Reporting Act.  \n\nIf they send you this information, and it is complete and accurate, you have hit a brick wall and there is no good way to remove the entry, unless you can sweet talk the creditor into removing it on their own.  Not likely.\n\nIf you do not hear from them in 30 days, send a copy of your validation letter, plus another demand to the CRA to remove the entry due to lack of validation.  \n\nIf they still will not remove, you have grounds to sue both parties in court.  \n\nAnd yes, Mr. Collection Agent, this is a fact. I'm doing that very same thing right now.  Funny how responsive creditos are they THEY are the ones getting sued.\n\nYou are about to go to war.  Knowledge of the law is your only weapon.  Don't fight these guys unarmed!