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0 balance in my credit file for a student loan. Do I have to wait seven years or request now to be remove?
I want to have information about my student loan that is 0 balance remove from my credit report. Can I request credit bureau to close and remove information now or wait seven years?
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This entry was posted on October 24, 2009, 7:46 pm and is filed under Student Loans. You can follow any responses to this entry through RSS 2.0. You can leave a response, or trackback from your own site.
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How do I remove a late student loan payment from my credit report?
September 23, 2009 - 8:02 pm
Posted in Student Loans | 7 Comments
Hi experts.
Unfortunately I just found out that I had a very small obscure student loan that went into repayment last month and I missed the bill. I switched addresses and somehow forgot to have them forward that loan to my new address So I checked my credit report and [...]
Student loans not in repayment or in deferral included in a mortgage loan application as an expense?
June 21, 2009 - 7:25 am
Posted in Home Loans | 5 Comments
Am applying for a mortgage loan and have two school loans already on my credit report but specify one is not in repayment and second is deferred. However, the loan application is requesting all expenses listed on my credit report. Are these loans not in repayment included in my expense ratio?
Related Post:What happens [...]
I am married but not on the Mortgage loan w/ my spouse can my credit be affected, in foreclosure?
May 13, 2009 - 8:53 pm
Posted in Home Loans | 6 Comments
I am married bu i am not on the mortgage loan, it does not show up on my credit report and when the payment stub comes in the mail it is only addressed to my spouse. If we foreclose can this affect my credit? Or will only my spouse’s credit be affected?
I did sign the [...]
I was four days late on my sallie mae student loan payment, will this go on my credit report?
February 17, 2009 - 6:01 pm
Posted in Student Loans | 5 Comments
I have never been even a day late on a single payment, and I really don’t want this to go on my credit report. My payment is due the same time every month, and I was in the middle of moving and just completely forgot about it. When I logged online to pay [...]
I’m looking for a legitimate online lender for an unsecured personal loan. Please, share your success with me!
January 9, 2009 - 10:08 am
Posted in Personal Loans | 2 Comments
I’m looking for an unsecured personal loan for $25,000 – $35,000. I’m interested in 5 – 10 year repayment term with an interest rate of no more than 12%, preferablly under 8%. I would like to obtain this loan within the next month.
I have a minimal amount of credit card debt of less than $1,000. [...]
When does a new car loan appear on your credit report? After making the first payment?
December 1, 2008 - 1:04 am
Posted in Car Loans | No Comments
I drove a car off the lot, but never finalized the loan with the 30 day warranty period. I returned the car back to the dealership. Will pulling the car off the lot be reported to my credit history or will it not show anything at all because I had not even made my first [...]
How to remove someone off of a mortgage loan?
November 8, 2008 - 8:03 pm
Posted in Home Loans | 9 Comments
How do you release someone from financial liablity from a mortgage, if two people are on the loan?
How doe you release someone from financial responsiblity and remove the loan off the other party’s credit report.
Related Post:I am married but not on the Mortgage loan w/ my spouse can my credit be affected, in foreclosure?What are [...]
Where can I get a good low interest personal loan(unsecured) for debt consolidation?
November 8, 2008 - 7:47 pm
Posted in Personal Loans | 3 Comments
I need to pay off like 5 credit cards,and 2 personal loans. I am just trying to put it all together and lower my monthly payment. Please help me with this.I have pretty good credit i guess but alot of inquiries because 2 car dealerships shotgunned my credit report around.
Please no more scammers trting [...]
0 balance in my credit file for a student loan. Do I have to wait seven years or request now to be remove?
June 27, 2008 - 6:04 am
Posted in Student Loans | 5 Comments
I want to have information about my student loan that is 0 balance remove from my credit report. Can I request credit bureau to close and remove information now or wait seven years?
Related Post:0 balance in my credit file for a student loan. Do I have to wait seven years or request now to be [...]
When I get a private student loan, does the amount actual show up on my and my cosigner’s credit report?
May 25, 2008 - 4:50 pm
Posted in Student Loans | 2 Comments
My question is this: I want to get a private student loan. Does the actual amount show up on the borrower’s and cosigner’s credit reports?
Thanks!
Related Post:How can I recieve a private loan to cover my mortgage payment while in pharmacy school?0 balance in my credit file for a student loan. Do I have [...]
October 27, 2009 - 8:37 am
No, it will be there, and usually you want it there to show you paid it off (if you have no negative payments with them) and it IMPROVES your credit score. Sadly, I had loans I paid off 10 years before still showing, If it’s all god news it’s great to keep it, if it has a few late payments, at least explain why in the future. Hope it is a all good!
October 29, 2009 - 4:07 am
I am not sure why you would want to have it removed…A zero balance actually makes your credit better than if you were still paying on it. I don’t think you can have it removed.
October 31, 2009 - 7:49 pm
okay here is the total skinny on credit okay. If you owed say a lot of money that you couldnt pay and you had maybe 6 years since the debt was reported to the big three(experian, equifax, and ****** union) you should definitly not pay them a red cent because if you give them 5 cents they got you by your balls for another 7 years. that is why they really threaten and cajole you into a small payment near the end of the 7 years. Nothing can get removed before 7 years and if you pay off a bad debt it still does not dissappear off your credit record! It just changes but it still looks bad to the lenders and will hurt you so dont pay them **** man. Students loans even paid off will not come off for 10 yrs! Be sure to check your credit reports every 2 months! Remember credit agencies are not on your side they make money by listing items for debt collectors. Its a paid service.
November 1, 2009 - 11:35 am
It will remain and will usually fall off after 7 years.
Here is some additional info. Hope this helps.
November 1, 2009 - 8:23 pm
Try calling all three credit bureaus to find out what your options are, you may be able to remove it right now:
Equifax: 1-866-798-6598
Experian: 1-800-734-4617
TransUnion: 1-800-888-4213
Best of luck!