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If you're worried about your credit score, game that shit too. Student loan debt reported? Contest it. They have to go back and prove the debt is yours. As it gets sold, resold, etc, the documentation gets lost, misplaced, names spelled wrong, Yada Yada.
You keep these credit reporting companies spinning to prove it. This keeps it off your report for other purposes. I have done this FOR YEARS.
They can't prove I owe it anymore. For all intents and purposes, I never had student loans. Nobody can find the documentation anymore.
Game the system, my loves. They fuck you, fuck them back.
@TheJen can absolutely attest that you can often get loan companies on technicalities. There are so many technicalities and employees are human. (I uses to work for a mortgage company trying to find and correct mistakes on loan documents. There were many mistakes, and sometimes we couldn't track down borrowers to get documents corrected. 100% certain this happens with other debt as well.)
Is there like... an instruction manual for this? Or do you all want to do a class or where did you learn about this?
@melanie @secretsloth I learned it from some debt collectors who worked in the same building as me while we were on smoke breaks.
It's so simple:
Request your free full credit report from each of the 3 agencies. You can get a free one once per year.
Comb through it. There is a dispute function on their websites for each debt item. Click it. State your reason for contesting it in the drop down menu, my go to is "this is not me" or some such.
That's it.
Used to you had to send actual paper letters to do it, but no more.
I contest EVERYTHING EVERY YEAR with the exception of mortgages or vehicle loans that I am actively paying. Basically anything with a title attached, I leave alone.
@TheJen
Thank you very much. I will spread this around.
I love the way you learned it. Deeply human.
@secretsloth