Just got hit with 6 delinquent accounts 90 days past due and I wasn’t even aware I was in repayment status!!! My credit score just tanked 250 points!!! What options do I have?
On Friday I received a notification from my bank account that a delinquent account had been reported on my credit report so I logged in to verify and it was 6 student loan accounts that were past due 90 days!!!. My credit score went from a 768 to a 515 in a day!!! After an hour of trying to retrieve my account on student.gov and updating my contact information, I was able to find my loan provider. I had never heard of this loan provider and when I contacted them they had a home address from 2015, an old phone number, and old email. I told them I had no idea I was in repayment status and if they could remove that delinquent account status after I made payment and they essentially said they couldn’t but I could file a dispute and maybe have it removed. I understand it’s my responsibility to pay this back but why didn’t they report it 30 days late instead of waiting 90 days? I have no problem paying it back if I knew I was back in repayment status after my forbearance. Is there anyway to retrieve those lost credit points after payment or am I screwed???