CFNC and Deployment

Jul 302010
 

Hi all,

  From 2007-2008, I had to leave school to deploy to Iraq.  During this time, I missed payments on two student loans I had through CFNC.  Actually, to be fair, I thought I had suspended billing during the deployment.  Now I have graduated, and today found out that I have two 90+ late payments on my EQ report from March 2008.  Obviously, I want to get these reports removed.

  I am at a loss for how to word the GW letter.  Also, during the past two years at school, I have not been making payments on any of my loans.  They have been in continuous deferrment which ends May 2011.  Later this year I expect to pay off a sizeable portion of the student loans with my re-enlistment bonus.  Would I have a better chance of success if I paid off most of the loans first, and then tried to get the negative statements removed?

  From what I have read on this forum, success with CFNC has been hit or miss.  Any past experience or suggestions would be appreciated.

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How long to wait on medical collection?

Jul 062010
 

Currently in the process of rebuilding and due to an insurance screw up and failure by the company benefits admin to update my address, I had a $58 x-ray charge go to a collection agency a few weeks ago and it cost me 30+ points.

 

After talking with the doctor’s office, paying the $58, and the working back through the insurance company, I got the insurance company to review the claim and pay the doctor’s office, who will credit me eventually.  After multiple conversations with the doctor’s office, I finally got them to agree to call the collection agency and pull the collection back. This was early last week.  Obviously, I’m feeling pretty good about this, but I also know it’s not done until it’s DONE.

 

How long would you guys suggest I wait?  Do we think it will take a couple weeks to get pulled back or a month or more?  When should I follow up with the physician’s office again?

 

Anyone have any past experience in a similar situation?  Thanks in advance.