When student-loan servicing changes, an old and a new tradeline can appear. Read the old account's transfer or closure remarks and the new account's o
When student-loan servicing changes, an old and a new tradeline can appear. Read the old account's transfer or closure remarks and the new account's opening and balance information together.
What to check
Save the transfer notice and statements around the handoff. Check whether the same debt is shown as currently owed twice, whether a payment was lost, or whether a late-payment code appears during the transition.
What to do next
Ask both servicers to trace any missing payment. Dispute a documented reporting error with the furnisher and each affected bureau, identifying the exact month and field rather than asking to erase the entire loan history.
Tools and source
Safesky's dispute tool: https://disputes.safeskyconsulting.com/ Official consumer guidance: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
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This article is general information, not legal or financial advice. Results vary by credit profile.
