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Home > Ask The Get Out of Debt Experts > I’ve Paid Lexington Law for Help With the Student Loans on My Credit Report. – Iman

I’ve Paid Lexington Law for Help With the Student Loans on My Credit Report. – Iman

“Dear Steve,

Hi, I have a low credit score and I truly can’t figure out what i can do to fix it. I’ve paid for Lexington Law but my case isn’t really about collections or wrong information. I have student loans that are reporting individually and they defaulted so that’s the negative. I’ve since consolidated them but the negatives are what’s killing me. I’m really looking for someone or a place to go to that can work with me on each line item to see what I can do to increase my score. I am in desperate need of a refinance and my score is preventing it from happening.

Do you have any recommendations? Do you offer one-on one credit assistance?

Iman”

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The Answer

Dear Iman,

I do not offer any such service to individuals these days. Student loans are interesting when it comes to this. There are options.

How many on-time payments have you made since you brought them back into compliance with your new consolidation? Who are they consolidated with and are these government backed loans.

If you have not done so I would suggest you order a consolidated credit report with the score option. It will tell you specifically what is bringing down the score. It may also be that you do not have any current good credit to bring your score back up but let’s tackle one thing at a time.

Post your answers in the comments section below for me.

Big Hug!

Ive Paid Lexington Law for Help With the Student Loans on My Credit Report.   Iman
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I've Paid Lexington Law for Help With the Student Loans on My Credit Report. - Iman by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Scott Johnson

    Other helpfull links

    Opt out Credit offers

    https://www.optoutprescreen.co

    Free credit Reports

    http://www.ftc.gov/bcp/edu/mic

    National do not call registry

    https://www.donotcall.gov/defa

    Online protection – internet fraud – computer security

    http://www.onguardonline.gov/d

    Savings info

    http://www.ftc.gov/bcp/edu/mic

  • Steve Rhode

    Check with the servicer on the reaging issue.

    Get a three bureau credit report and dispute the old now consolidated accounts on each credit bureau.

  • Imanamani Marcano-Sowell

    Steve,
     
    Who do I contact about the loans not re-aging? Also, if they are consolidated with Nelnet and that is being reported for lets say 65K, why are all the student loans still listed that total the 65K? Isn’t that like double reporting? Is there no way to just have one of the loans report-the consolidated one or that individual ones that make up the consolidation?

  • Imanamani Marcano-Sowell

    Steve,
     
    Who do I contact about the loans not re-aging? Also, if they are consolidated with Nelnet and that is being reported for lets say 65K, why are all the student loans still listed that total the 65K? Isn’t that like double reporting? Is there no way to just have one of the loans report-the consolidated one or that individual ones that make up the consolidation?

  • Steve Rhode

    Government backed loans will re-age automatically after 12 on-time payments. No need to pay anyone for that, they are pretty good with it. If they don’t for some reason, just bring it to their attention and they will take care of it.

  • Imanamani

    Hi Steve,

    I’m such a dork. I was looking for a reply via email. LOL The loans are government backed loans and since I have had them consolidated with Nelnet and I believe I made about 8 on-time payments. I have a few cards (3 or 4) that I use consistently and pay off quickly. The consolidation is listed and then you have about 15 individual loans reporting as well. Thanks for your help!

  • Imanamani

    Hi Steve,

    I’m such a dork. I was looking for a reply via email. LOL The loans are government backed loans and since I have had them consolidated with Nelnet and I believe I made about 8 on-time payments. I have a few cards (3 or 4) that I use consistently and pay off quickly. The consolidation is listed and then you have about 15 individual loans reporting as well. Thanks for your help!

    • http://GetOutOfDebt.org Steve Rhode

      Government backed loans will re-age automatically after 12 on-time payments. No need to pay anyone for that, they are pretty good with it. If they don’t for some reason, just bring it to their attention and they will take care of it.

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