Know How to Remove Your Student Loans From Your Credit Report

Removing your student loans from your credit report can help improve your credit score, but how do you do it? Check out these top ways now!

Main image courtesy of Montgomery Community Media. 

Are you struggling to maintain a good credit score? Getting to the excellent category is what we all strive to do when it comes to our credit score, but it can be difficult whenever you have student loans, or any loans for that matter. By looking at your credit report each month, you can precisely see what your credit score is, any loans you have, credit cards, and more with the amount on each.

Did you know that you can actually remove your student loans from your credit report? For many college students, this is essential because your student loans will most likely be your very first loan you will ever take out, which can then be difficult to build your credit up, especially if there are errors in how your student loans are presented on your credit report. If you are a college student who wants to learn how to get your student loans removed from your credit report with errors on it, here’s how to do it!

Why Do Student Loans Show Up on a Credit Report?

Since you can get student loans removed off of your credit report, make sure to understand why they’re there!

Woman Holding Credit Report
It’s important to know why student loans show up on your credit report to begin with, and there are many reasons why! Image courtesy of Experian. 

There may be a question that you may have running through your head may seem like an obvious one, but it is definitely one worth asking and that is since you are able to take your student loans off of your credit report, why do they even show up in the first place? Well, the answer is quite simple, and it is because it is a debt that you are obligated to pay and you can often see them in the report even whenever they’re in deferment.

Something else that is also very common to see is that it may look like there are multiple student loans on your report, but in reality, they are often listed as separate accounts due to each enrollment period or semester that you attend. 

Another thing to keep in mind is that if your student loans are in deferment, they won’t hurt your overall score and some credit scoring models may disregard them all together until they are in the repayment period. 

How to Remove Student Loans From Your Credit Report

Now that you know why it’s on your credit report, learn how you can take them off of it!

Delete Button
Getting your student loans off of your credit report may be one of the best things to do, so why not learn how to do it! Image courtesy of SoFi. 

Are you a student that is struggling with student loans in outrageous amounts that you want to remove off of your credit report, especially if there is an error on your report? While we understand your concern of the impact your student loans can have on your credit report, don’t stress, because you can potentially get them removed, which really can help you out in the long run. 

Here are some amazing ways on how to remove your student loans from your credit report!

Write a Dispute 

Are you looking to remove your student loans from your credit report? Well, the first thing that you will have to do is file a dispute with the credit agency where you see an error in your student loans. By filing a dispute to the three credit agencies, Equifax, Experian, and Transunion, it will help repair and fix any wrong information pertaining to your student loans on your credit report. 

Contact a Credit Repair Service

If you’ve never heard of credit repair services, just know that they are very useful when it comes to fixing any mistakes that are on your credit report. With contacting a credit repair service, they can help to fix any errors for free, but you should always keep in mind that they can’t remove anything that is accurate. 

It is also important to pay attention to potential scammers when it comes to credit repair services. When finding a legitimate credit repair service, you can continue with the steps to fix any mistakes pertaining to your student loans, which can help to build your credit score. 

Important Things to Keep in Mind in the Process

There are always things that you should consider no matter where you are in the process!

Credit Score
If you’re interested in removing your student loans from your credit report, it’s always essential to consider a few things beforehand! Image courtesy of Debt.

When it comes to your credit report and student loans, there are definitely a few things that you need to consider. First of all, it is essential that you check your credit report frequently to look for any errors that you may potentially need to file a dispute against. There are actually three ways to request your credit reports as well to make it easier to look at them. 

You should also double check to make sure that your student loans on your credit report are accurate, along with everything else listed on your credit report as well. Here are some things to look at when it comes to making sure your information is correct on your reports:

  • You are the borrower of the loans and they are in your name
  • Your monthly payment are accurate
  • Your account status is accurate (open, closed, or charged-off account)
  • Your student loan status is correct (deferment or forbearance)
  • Check other details of the loan to ensure they’re correct (the balance of the loan and even the name of the lender or loan provider

There’s a lot to consider when it comes to your student loans and even just making sure that they’re correct on your credit report. If there seems to be something wrong with your student loans on your credit report, make sure to file a dispute immediately and to also be persistent with keeping up on it to make sure that the errors are removed.

Consider following along with our useful tips on how to remove your student loans from your credit report, especially if they are incorrect!

Sara Nuss
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