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Sallie Mae under EX potentially negative items, can I get rid of it there?

Aug 272010
 

Sallie Mae is showing under my Experian report under potentialleneg items.  It says account transferred to another lender, original amount of $22,493.  Last reported 2/07.  It has several lates on it, in 2004, 05 and 06.  I rehabbed the loan about 2 years ago and there’s also several entries under accounts in good standing for Sallie Mae, including the exact same loan that’s showing up in the neg items.  I’m assuming the over 22K in neg items is pretty damaging to my score (which I hevn’t pulled yet) and report in general.  What can I do to get Sallie Mae off the neg items, anything?  The loan is in good standing and being paid on time now.   TIA!

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  •  August 27, 2010
  •  Posted by admin at 7:07 pm
  •   No Responses
  •   Student Loans
  •  entries-under, exact, experian, good-standing, lender, neg-items, pretty-damaging, sallie-mae, says-account, showing-under

How do you prove DOLP / SOL?

May 082010
 

I have several accounts which are very close  to the 4 year SOL in Texas. I am nervously waiting through the last couple of months. 

 

 There is one account in particular that is showing a later DOLA and/or fall off date depending on which CRA it is. TU is reporting fall off date of 2/2013 and on EX the first 30 day late is 5/06. According to my records my last payment was in March 2006, I made 1 payment after that in August but it did not bring the account current. The collection was with Calvary but that is showing under closed accounts on all 3 CRA. I am particularly worried about this account since it is >15,000. :smileysurprised:

 

My question is this, how do I prove the debt is SOL if it comes to that. I have records in Money that were downloaded at the time (going back to 2001) and saved but is this enough to prove that was my last payment? I don’t have paper statements from that time period. 

 

Thanks.

 

 

  •  May 8, 2010
  •  Posted by admin at 1:44 am
  •   No Responses
  •   Rebuilding Credit
  •  account, accounts-which, closed-accounts, date-depending, fall-off-date, last-payment, money, prove-the-debt, records, showing-under, time

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