ready to give up

Sep 012010
 

my scores stink. there is nothing i can do about it except let time pass. i had a tu score of 579. i disputed some info on a charged off cc account. they finished the dispute by putting a balance owed back on it, which dropped my score down to 486. i disputed again to get this corrected, and now my score is only back to 514 after it has been fixed. the credit bureaus and fico are nothing more than a scam to charge banks money to give them info on who they can kill with high interest.

A Late Payment is on My Credit Report Twice… Help?

Aug 212010
 

Hi Everyone,

 

One of the CB’s has my student loans reported twice.  I have 9 student loans, and they are all reported separate.  I had a few late payments back in 2006, so that’s 9 dings on my credit report.  However, the student loan as since been sold to another bank.  The new bank, SallieMae, has reported all the the old payment history as theirs… and the old bank, GA Student Finance Commission, is still listed on my credit report with the exact same payment history.  So now I have 18 dings on my credit report instead of 9.  I’m being hit twice for the exact same late payment.  It’s pulled my FICO score down 25 points.  Shouldn’t the one late payment only be listed once, not twice?  How do I fix this?

 

Thanks

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