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On both my and my husbands credit report.. Student Loans under Federal Loan Servicing and US Department of Ed.. are all listed separately for like each distribution, how do I go about getting these all to show as one? I believe the US Department of Ed ones have all been transferred to Federal Loan Servicing as well, but now both show up. Do I dispute or need to contact the loan servicing centers?

Also how can you dispute inquires that you did not authorize? Is there away to block inquires without hurting yourself?

And lastly if there is information under Name ID's - where like address, SS, phone are reported - if there is incorrect information there - how can it be corrected.




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On both my and my husbands credit report.. Student Loans under Federal Loan Servicing and US Department of Ed.. are all listed separately for like each distribution, how do I go about getting these all to show as one? I believe the US Department of Ed ones have all been transferred to Federal Loan Servicing as well, but now both show up. Do I dispute or need to contact the loan servicing centers?


You dont..this is how student loans report. Each loan is a seperate loan and both are legally entitled to report.
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Also how can you dispute inquires that you did not authorize? Is there away to block inquires without hurting yourself?


There is a way to opt out of promotional inquiries. Creditors have permissible purpose...you cannot stop them.

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And lastly if there is information under Name ID's - where like address, SS, phone are reported - if there is incorrect information there - how can it be corrected.

Contact the credit bureaus directly.

Sub: #1 posted on Fri, 11/23/2012 - 14:21

SOAPLADY SOAPLADY
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Thank you SoapLady - I knew you would know the answer..a few more things for clarification..

If they are separate loans - which makes sense - Do I need to consolidate - would that make them one item? The ones that state FedLoan Servicing?

The ones that are listed as Direct Loan Svc system all show Transferred to another office as of Feb of this year, Then one that shows an unrated pay status, that shows closed 9/30/2011?

When I call about the general name ID information I will ask about opting out of promotional inquires..

As for creditors, who gives them permissible purpose, shouldn't that be yourself.. I have some showing up that I have never done business with.

Sub: #2 posted on Fri, 11/23/2012 - 14:41

HelpinAZ HelpinAZ
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Any inquiry showing on your report is 99% of the time something you authorized. If you applied for a new CC, a loan, a CL increase - that will result in a hard inquiry. A soft inquiry appears on your CR but that doesn't affect your score.

Sub: #3 posted on Sat, 11/24/2012 - 21:56

waffles waffles
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