How to defer Student Loans Aes
How To Remove Student Loans IN 2022 | Credit Repair Hacks |Student Loans | LifeWithC
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all right so we back with another video
guys so I want to start this video off
by saying that yes it is absolutely
possible to get student loans removed
from your credit report but I want to
let you know that just because you get a
removed off your credit report does not
mean you are free of the day you still
owe the student loans that's just not on
your credit report anymore all right all
right
[Music]
okay this is just like a little template
I created um typically when you have a
tri merge credit reporting site this is
what its gonna look like you're gonna
see all three credit bureaus side by
side you're gonna see the account you
know that's listed on there if it's not
listed on their credit bureau then it
will be blank so for today's example you
got felt loan servicing all right so you
see credit bureau right you see the
names all across you see the account
name you see fellow serves all across
you see a count number they all match
payment status what they're not matching
Equifax is showing derogatory Experian
is showing current training training
Union true TransUnion is showing not
applicable and that is a big red flag
everything has to match moving on to the
balance the balance is showing 4918 on
Equifax 2356 on Experian and 32:39 on
TransUnion that is not okay
date open it looks like all across the
board is showing September 9 2011 okay
so as you can see I pointed out all the
things that are inconsistent and I made
the red so they will stand out to you in
this video so those would be the two
things that we're going to target to get
fee account removed now for student
loans they can either remove the account
altogether or they can just update the
information and a lot of times credit
bureaus will simply update the
information instead of remove the
account altogether
you know I don't know if it's just their
way of just saying hey you pointed this
down so now we're gonna change it to
this instead of we're moving that's why
it's important when you make your
dispute letter you specify the outcome
that you would like to so instead of
saying please update this information
say please delete this from my credit
report tell them what you want so on the
next clip I'm going to show you a letter
that you can use in regards to be
inconsistencies that we found on the
accounts now you should be looking at
this on your screen it's going to be the
format that you have to send the letter
so
let's get started so you put your name
and address you'll put the credit bureau
name and address the date to whom state
concern and your letter should say
something like this or you could say
exactly this screenshot after recently
reviewing my credit report I noticed
I cannot read the name at the recently
revealed my credit report I noticed
several inconsistencies regarding the
account Fairlawn serve one two three
four five six X X X in the balance and
payment status section Equifax was
reporting the balance of 49 18 with the
derogatory payment status Experian is
reporting a balance of 2356 with the
current payment status and TransUnion is
reporting a balance of 32 39 with not
applicable as the payment status now all
three of these balances can't be
accurate these accounts appears to be
furnished by the same creditor so while
all the provided data are different it
is your duty to ensure that all
information reported is consistent and
most importantly accurate and you have
fails to do so please delete this
erroneous item immediately below you
will find a screenshot of the account
that's it and then you would thank them
and print your name so today and it's
pretty much it when it comes to student
loans the best way to get rid of those
are factual disputes student loans are
extremely hard to get rid of any other
way unless you meet the requirements
that will allow a discharge you know for
you other than that you're kind of just
going to be getting on a repayment plan
you know to keep the student loans
current but they will still be on your
credit report if you are interested in
just updated in the payment history
instead of removing the entire account
you could still use that same method and
just say please update this information
if you could say this account was paid
on these dates that you have listed as
late payments please update this
information and if you have proof of
payment submit that with your dispute
letter a lot of times I don't recommend
getting a student accounts student loan
accounts delete it from your credit
report because they hold a lot of weight
in regards to age and credit history and
so when a student loan account leaves it
takes a lot of cream
age with it and so even though you know
it's a good thing to have that gun you
know but it's a bad thing when you're
looking to apply for credit because you
don't have an established credit history
and student loans kind of give you that
edge because a lot of us have had
student loans for years and you know
that's that's the only thing with
student loans that would be like hey
kind of monitor like if you could just
if it's just too late payments and
that's the reason why the accounts
derogatory just submit a letter telling
them to update the payments because it's
inaccurate like I made a payment here's
proof you know and just put that in
there but you're just feel letters don't
have to be all long and dramatic and
they don't have to be full of all these
laws and tricky words that we can't
pronounce and all these statues and
Statue of Liberty's and everything you
don't have to be oliday like you can
just get straight to the point in your
letter and get the results you desire so
yeah I don't like to be transparent so I
had a student loan removed as well I
attended the University of Southern Miss
and in my situation the accountant was a
duplicate account and I had been trying
to get this account removed it was only
reporting to Equifax so I also want to
note that too sometimes when you have
private loans not so much as federal
because federal typically reports to all
three bureaus but private student loans
sometimes only reports to one or two if
not all three but my school only
reported to one bureau so I only have to
focus on Equifax but the thing was I
wasn't disputing the validity of the
account because I knew it was mine it
was just the fact that the account was a
duplicate and the balances were
different one was a closed account with
the paid off status and then the
duplicate account was updating each
month as if I wasn't making a payment
and it the open date was during the time
where I wasn't even in school so you
know I used that to my advantage to get
that account removed so it took a lot of
methods to get that removed or mama put
a either a screenshot or a picture here
I had to email someone on the executive
administrative staff at Equifax and let
them know that hey I've been submitting
to dispute letters and you guys are not
removing this account I have proof from
the national student loan data system
that I've never had a loan open on the
date that you said I had a loan opening
you refused to remove this account and I
mentioned you know pursuing legal action
even though like I had no idea even the
first step to take in regards to doing
that but it just sounded good in the
letter so I was like let me just put
this you know so um it worked
you know I sent the letter I can't
remember the date May 3rd I correct
myself and I believe I got a response by
20 days later with the account being
removed the duplicate account and the
actual account removed from my career
report sorry for the coffin in the
background yeah my bad I can't if people
in living room score went up at least
like 40 points or something like that
with that account being removed and um
yeah so I will link below a website you
can go to if you have to sit in like a
goodwill letter or if if after several
failed attempts of trying to get an
account removed not even just student
loans but trying to get an account
removed from a certain credit bureau and
you're just not having any luck contact
someone on their administrative contact
list and get results you don't
necessarily have to start with the CEO
you start down and work your way up but
um you will get results if you just stay
consistent and you have proof when you
send a few letters make sure you're
keeping a copy for yourself as well if
you're not sending your letter certified
if you send certified they will give you
like that proof of like I did send a
letter but just in case you know keep a
copy of letter that you stand so you
make two copies so make one for yourself
or just save it to your computer you
know and date it like round one student
loan dispute letter I think that's
pretty much that's it you know I'm not
one to ramble I do not like rambling at
all I'm not a big small talker so if you
have any questions feel free to drop
them
with your interest in credit repair
services I do offer credit repair
services and I have also simplified that
process by creating dispute letters my
dispute letters are thoroughly like I
have the steps because I'm a visual
learner myself so I have to know okay
after this what do I do
and what do I put here so I made it easy
I highlighted the areas where you just
need to input your information and all
the letters are super short so you don't
have to worry about postage and you know
that being expensive because your
packets won't be thick you know I try to
keep the letters extremely short to the
point powerful but short follow me on
all my social media sites and just stay
tuned on Tuesdays and Thursdays they
will be dedicated to credit repair and
just keep put it in the comments what
you want to see I'll take a screenshot
and say that so I'll know it's like a
video to make but yeah if you guys have
any questions definitely don't be afraid
to hit me up drop a comment email
whatever all right
you
