Storytime: Student Loans Removed + Consolidation + Consumer Reporting Companies You Dont Know About

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This video is for my Instagram Fam❤️ Earlier today i told you guys some of my student loans were removed from my credit report.

Consolidation allowed me to put all my individual loans into one. Those individual accounts were closed and transferred to the new lender. Consolidate Here:

It’ s easier to get a “closed” account removed.

When i requested my payment history from Navient (which showed my loans were in forebarence and not late) I sent those documents to the credit bureaus. The credit bureau stated “they couldnt find my credit report/profile” and did nothing. But trust me it does work for people‼️

I could have resent that info but i decieded to dispute multiple times online at that point -until they were removed. *its recommended to send this stuff in writing.

Info You Need💎

Advanced Resolution Service – Public Records, Bankruptcy, Inquiries

🚨Lexis Nexis🚨

Collects information from public records and multiple proprietary data sources. This includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file.

🚨Sage Stream🚨

This reporting company collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers among other service providers. SageStream is a subsidiary of ID Analytics.


Collects loan performance information on nonprime consumers to provide predictive credit data, analytics and risk scoring solutions to short- term lenders, installment lenders, nonprime auto lenders (and leasing companies) and other subprime credit providers.
FactorTrust is owned by TransUnion.


Payment history, Accounts, Mortgage, And any late payments

🚨MicroBilt / PRBC🚨

Provides consumer credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information on low- income and subprime consumers to businesses that offer short term, rent-to-own, auto, retail and consumer finance lending.

🚨Clarity Services🚨

Collects and provides information on payday loans, installment loans, auto loans (and leasing), check cashing services, rent-to-own transactions, telecommunication account openings, and financial services with an emphasis on the lower- income and subprime consumer market segments.
Clarity Services is owned by Experian.


Collects and provides payment history regarding subprime consumers.
Equifax owns DataX.

Sample Dispute Letter:

Your Name
123 Main Street
San Francisco, CA 94109
(111) 222-3333


Subject: Fair Credit Reporting Act, Section 609

Dear Credit Reporting Agency (Experian, TransUnion, or Equifax),

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report: ABC Collection Agency, account number 0123456789.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows:

Date of Birth: 01/21/1989
SSN: 123-45-6789

[If you have a lawyer, state that you have legal representation and provide that person’s contact information]

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, driver’s license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.



You will need to assemble three separate packets and send one to each of the credit reporting agencies (assuming all are reporting the same account). Include a copy of your letter and copies of the supporting documents. Keep one set of the letter and documents for your own records.

Where to Send Your Letter:

P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

P.O. Box 740241
Atlanta, GA 30374-0241

Do not just pop your letters in the corner mailbox — these are important letters, and you’ll want to be sure they arrive. Go to the post office and send them via certified mail, return receipt requested. Sending them from the U.S. Post Office this way will cost under $8 per letter, so it’s a pretty minor investment.

Go To YouTube Channel

if i dispute something on my credit card

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12 Responses

  1. JAM Family says:

    Thanks I just sent my application in took like 30 minutes to do. I appreciate you!!

  2. Onika Lynn says:

    Thank u so much

  3. passionateone72 says:

    Thank you for dropping these gems and providing the helpful and much needed tools/leads. I'm cleaning up my credit and need all the help I can get to stay on top of my game!
    #EachOneTeachOne #PayItForward #KnowledgeIsPower #KnowledgeIsWealth

  4. KitasWorld says:

    Please don’t delete this video. Such valuable information ❤️

  5. Tequila Garvin says:

    Loveee it keep it coming!!! Happy New Year!!!


    This was very helpful. I found it very easy to dispute charges on Credit Karma. Disputing things on my own vs paying a credit repair company saved lots of money and shot my credit score up nearly 300 points in about 2 months.

    What do you list as the reason for your dispute for your student loans if you don’t mind me asking ? It’s the very last thing on my credit report and it’s going tf down !

  7. teisha sparkles says:

    Thanks so much for this information it is gold!! I do have a question when sending in the dispute letters with identification what form of ID would you recommend sending in. It so much fraud& craziness that goes on have to move as safe as possible out here.

  8. Monie Mone says:

    I don’t see the link for the dispute letter. Thanks for sharing this information very helpful

  9. Briana R says:

    Hey where can I find the sample dispute letter

  10. Bankroll Lynn says:

    I didn't take loans out this time, I paid out of pocket- but I want to go to school again and I'm definitely taking a loan out. Thank you for this!

  11. Adrianna Smith says:

    Thanks!!!! Much needed because I didn’t think this was possible!!!!

  12. Tone All Day says:

    Thanks I thought you could never get rid of student loans

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