If you have taken out student loans, chances are that you have dealt with Sallie Mae. The company offers financing to those who have private or federal loans. Sallie Mae can and will report your payments, or lack thereof, to the credit bureaus. These reports can affect your credit and are a factor when other companies are deciding if they want to give you credit. If you have transferred or paid off Sallie Mae accounts and need to remove them from your credit report, you can do so with a little credit know-how.
Instructions
- 1
Contact Sallie Mae. Talk to a customer service representative and let him know why you feel your account should be removed from your credit report. The representative will either forward you to a credit reporting specialist, or take your information and work on it himself. He may also request that you put your claim in writing and mail it in. If the information reported is incorrect, you have the legal right to dispute it. If the information is correct, Sallie Mae is not legally bound to remove it.
2Request your credit file from all three credit bureaus. The credit bureaus are Experian, Transunion, and Equifax. Once you receive these reports, you can file a dispute online or by mail. The dispute will ask the credit bureaus to remove the information. The credit bureaus have 30 days from your request to investigate and come to a decision. If your Sallie Mae file has no negative information, such as late payments, the credit bureau will most likely remove the information.
3Ask Sallie Mae to send you original copies of the loan that you signed. When you make this request, Sallie Mae legally has 30 days to return the information to you. If the company does not send the paperwork to you, it cannot legally prove you even have a loan. If that is the case, you can go back to the credit bureaus and explain to them that you do not have a loan with Sallie Mae. The credit bureau, without proof of a loan, is obligated to remove that infomation from your file.
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