My partner literally has no money but is a very hard worker. No car. No home of their own. Has a very hard unsupported life with hortoble narccasistic father who financialy , physically and mentally ab*ses the entire family .... has to pay everything out of pocket... Threatened with student loans. At the worst times.... Patents forced them to go to college right out of high-school. Got nothing out of it. Owes THOUSANDS! ....... It isn't fair.... People need to realize that most kids are FORCED into this worthless lifelong debt....... Drop the damn charges ..... this isn't right.... life doesnt even feel real. Sorry im very upset... Thank you for this video.......
If you consolidate the loans then dispute the old loans and they can't provide a promissory note. Can you use that to get rid of the new consolidated loan, consodering they couldn't prove the old ones belong to you?
I came here for the same question. Also does consolidation take away from your credit history? Taking a 10 year student loan and consolidating it to a new loan will bring down your average years of credit history right?
I have a question about an already charged off loan that someone magically got re-opened March 2023 and is now current. Is that legal? Because I it seems illegal and is now messing with my credit score
Hello, so AFTER you consolidate, and the old loans are paid off. Then the new loan starts to report are we disputing the old loans that are already paid, and closed, or the new consolidated loans? If the old loans why should we dispute? They are paid, or is it because the new consolidation loan starts reporting, and the old loans are on the report saying see WE WERE REALLY CONSOLIDATED?? LOL
i thought you can have student loans not show on your report at all because by law you didn't receive the 3 disclosures when you sign up for student aid that states they will be showing an entry on your credit report?
My students loans are paid but they reported late because the deferment did not take place until a couple of weeks after the 90 days. I called the loan provider and they said the government was not taking goodwill letters and even though I have a zero balance, they will not remove the late report. What should I do? That's 17 late payments on loans that were paid years ago.
What if you applied for and now have an income based repayment and don't have to make payments now and going forward but the old history has late payments? Should I wait until my income increases and I have to start repaying them to consolidate?
I originally signed a promissory note to pay back my student loans with Bank of America about 14 years ago. Since then, it has been sold to Fedloan Servicing, then sold to NelNet. I never agreed to pay NelNet. If they cannot produce a promissory note showing I owe this loan to them, can I have them remove the debt? A student loan is not a sellable asset. It is indistinguishable. This ridiculous loan was originally from University of Phoenix for a degree that was never completed. There was no diploma or evidence of a completed education transcript. It seems like it would be necessary for the Fed to produce the evidence that this loan is for an asset. Essentially this is just a number on paper. It does not seem lawful.
Did they break up your loan amounts? Nel Net broke mine up in 12 amounts and reported it and brought my credit down over 100 points and I need to dispute this ASAP
I'm at the same place. You need to know conract law. Get the original agreement. If it says anything about assignment, they can sell them, and your still liable for paying it to whomever purchased your loans.
Your recommending for me to send a letter directly to the original furnisher ? Not to the new company that owns the debt ? Why shouldn’t I send it directly to credit bureau? They will have an accurate time to dispute in 30 days ? Help me understand
I have tried this and they took it off for like 3 months. then they put it back on my report and dropped my number 46 pts. How do I get them to permanently remove it and keep it off.
I have been trying to access the Run Wizard part of the site for days now to generate letters it’s been about a week and it still isn’t working. When will this be fixed?
You need to vote for Democrats in the House, Senate and local elections not just the presidential election....Many of you dont vote and the Republicans pack the Supreme Courts with conservative judges they nominate
Greetings everyone I want to change my degree but my current funding will want a refund on the money they sponsored me with. Will I be able to repay them with a student loan?
Hey there! We offer the software to help you repair credit, not credit repair itself. You might want to check out our Credit Hero Challenge and start learning! creditherochallenge.com/live
I would like to see the percentage of ppl this strategy worked for
My partner literally has no money but is a very hard worker. No car. No home of their own. Has a very hard unsupported life with hortoble narccasistic father who financialy , physically and mentally ab*ses the entire family .... has to pay everything out of pocket...
Threatened with student loans. At the worst times....
Patents forced them to go to college right out of high-school. Got nothing out of it. Owes THOUSANDS! .......
It isn't fair....
People need to realize that most kids are FORCED into this worthless lifelong debt.......
Drop the damn charges ..... this isn't right.... life doesnt even feel real.
Sorry im very upset...
Thank you for this video.......
Thank you for being honest about the “temporary” fix!
Hi, using your template, what if I don’t have any errors or inaccuracies to dispute..would I still be able to use this letter request proof/deletion?
You said to consolidate federal loans but what about the private loans? What is the strategy for that...???
If you consolidate the loans then dispute the old loans and they can't provide a promissory note. Can you use that to get rid of the new consolidated loan, consodering they couldn't prove the old ones belong to you?
I have the same question.
I came here for the same question. Also does consolidation take away from your credit history? Taking a 10 year student loan and consolidating it to a new loan will bring down your average years of credit history right?
Here with the same question
I have a question about an already charged off loan that someone magically got re-opened March 2023 and is now current. Is that legal? Because I it seems illegal and is now messing with my credit score
Did anyone ever answer your question? I had the same question!
Hello, so AFTER you consolidate, and the old loans are paid off. Then the new loan starts to report are we disputing the old loans that are already paid, and closed, or the new consolidated loans? If the old loans why should we dispute? They are paid, or is it because the new consolidation loan starts reporting, and the old loans are on the report saying see WE WERE REALLY CONSOLIDATED?? LOL
i thought you can have student loans not show on your report at all because by law you didn't receive the 3 disclosures when you sign up for student aid that states they will be showing an entry on your credit report?
@Bianca C. Edwoods why you spamming
That’s what I thought but apparently not
My students loans are paid but they reported late because the deferment did not take place until a couple of weeks after the 90 days. I called the loan provider and they said the government was not taking goodwill letters and even though I have a zero balance, they will not remove the late report. What should I do? That's 17 late payments on loans that were paid years ago.
i need an answer to this as well! exactly what i have been looking for!!! im dealing with the exact same thing
Literally my exact same situation.
You ever find an answer to this?
Same problem here
I have the same problem
Shouldnt you also dispute on the basis of not recieving opt out notices???
What if you applied for and now have an income based repayment and don't have to make payments now and going forward but the old history has late payments? Should I wait until my income increases and I have to start repaying them to consolidate?
I originally signed a promissory note to pay back my student loans with Bank of America about 14 years ago. Since then, it has been sold to Fedloan Servicing, then sold to NelNet. I never agreed to pay NelNet. If they cannot produce a promissory note showing I owe this loan to them, can I have them remove the debt? A student loan is not a sellable asset. It is indistinguishable. This ridiculous loan was originally from University of Phoenix for a degree that was never completed. There was no diploma or evidence of a completed education transcript. It seems like it would be necessary for the Fed to produce the evidence that this loan is for an asset. Essentially this is just a number on paper. It does not seem lawful.
Did they break up your loan amounts? Nel Net broke mine up in 12 amounts and reported it and brought my credit down over 100 points and I need to dispute this ASAP
@@empresszati8431I got mine forgiven...Glad I voted for Biden..
Hey Google the university maybe able to get it removed because they weren’t a real program possibly like many of the other online schools advertised
@@empresszati8431 yes! Broke mine down into 8 accounts with 5 late payments for each account. I need these off asap
I'm at the same place. You need to know conract law. Get the original agreement. If it says anything about assignment, they can sell them, and your still liable for paying it to whomever purchased your loans.
Ok does this tactic to consolidate work with one federal student loan???
Does that mean that the new consolidated federal loan will no longer be on the credit report?
Yes, Tap in for more consultation 👇
When I consolidated the federal student loan it disappeared +35 points then reappeared-35 this morning. Help please. Thanks
THANK YOU FOR THIS VIDEO! IT GAVE ME A BETTER UNDERSTANDING ON HOW TO REMOVE STUDENTS LOANS!
I havent been in college since i was 28. Im 41 now. Its still on my report. You sure its 7 years?
I have some that's been on for 10 years.
Dept of Ed transferred student loan to PHEAA. Then PHEAA transferred to Nelnet. Does the transfer affect my student loans?
Your recommending for me to send a letter directly to the original furnisher ? Not to the new company that owns the debt ? Why shouldn’t I send it directly to credit bureau? They will have an accurate time to dispute in 30 days ? Help me understand
This is a great video the student loan mo oply game need to end.
I have tried this and they took it off for like 3 months. then they put it back on my report and dropped my number 46 pts. How do I get them to permanently remove it and keep it off.
Same happened
Y'all need help!! Tap inn for consultation 👇
How did you do that? I’m OK with it being off for three months because then I can apply for the things I need during that time.
@@lorijones513 How did you do that? I’m OK with it being off for three months because then I can apply for the things I need during that time.
@@crazisista06 did you ever figure out a way? I as well need them off for a short period of time so that I can apply for things.
Thank you Daniel! Great strategy! 🙂
My pleasure!
Sounds good. I need to try this
I need to know if I can have consolidation while waiting for the sweets post class to fine out if their loans will be forgiven.
I have been trying to access the Run Wizard part of the site for days now to generate letters it’s been about a week and it still isn’t working. When will this be fixed?
Hi Andrea! Please reach out to my team at support@creditrepaircloud.com and they can help you out.
Delete the damn debt government y’all screwed us all up!!!!
You need to vote for Democrats in the House, Senate and local elections not just the presidential election....Many of you dont vote and the Republicans pack the Supreme Courts with conservative judges they nominate
Keep calling them and do a forbearance.
Who is the furnishers?
Great Credit Nuggets
Is a parent + loan a private or federal loan?
It's giving private.😒🙄
It depends on who your loan provider is.
That’s what you call a parental loan😂‼️
I have a fed loan......if removed do i still owe...
Yes
Greetings everyone
I want to change my degree but my current funding will want a refund on the money they sponsored me with. Will I be able to repay them with a student loan?
Smart wonderful man
That initial statement wasn’t true. Student loans are not “necessary”.
Yep
Great info
is there a way to reach out to you i will pay for a consultation
Hey there! We offer the software to help you repair credit, not credit repair itself. You might want to check out our Credit Hero Challenge and start learning! creditherochallenge.com/live
Are you looking for credit restoration or help woth the student loan removal
Excellent video. Well said!!
I know I haven't been in college since I was twenty three and i'm now forty five.
Are these people just making things up to get clicks and likes and make money from UA-cam? Isn’t that a fraud and deception?