Student Loan Disputes in Chicago, IL

If you're a Chicago resident dealing with student loans on your credit report, The Credit Repair Guy can help. We specialize in student loans removal for clients throughout Illinois.

Student Loans can significantly damage your credit score and make it harder to qualify for mortgages, auto loans, credit cards, and even apartments. Our proven dispute process leverages the Fair Credit Reporting Act (FCRA) to challenge inaccurate items with the credit bureaus.

Student loans come in two main types: federal student loans (backed by the government) and private student loans (from banks or other lenders). These loans are often transferred between servicers, leading to confusion and reporting errors. Common issues include loans showing as delinquent when they were in deferment or forbearance, incorrect balance amounts after payments or forgiveness, duplicate accounts from servicer transfers, and incorrect payment history. Student loan reporting has been particularly problematic during periods of pandemic relief and loan forgiveness programs.

We analyze your student loan accounts to identify discrepancies between what's being reported and your actual loan status. We verify that deferments, forbearances, and income-driven repayment plans are being reported correctly. We check that servicer transfers haven't resulted in duplicate accounts or lost payment history. We also ensure that any loans that were forgiven, discharged, or consolidated are properly reflected on your credit report. For borrowers who qualified for pandemic-related relief or forgiveness programs, we verify those benefits are correctly shown.

Ready to get started? Schedule your free credit consultation and let our team show you what we can remove from your credit report.