Private College Student Loan

Removing Negative Credit - Bills sent to wrong address?

Please Help! I have recently decided to research my credit score. Due to a break-up, I moved from one address to another and changed my address before loan payments were due. For some reason ALL of my student loan information was going to my old address...where ex assumed it wasn't important if I received this information. I just pulled up my credit reports and score. There are multiple negative reports from my student loans. I have one loan through CitiBank and one throgh NelNet. CitiBank is reporting for each disbursement I recieved rather than the overall loan. EIGHT in total. Same account number, just different disbursements. NelNet is report FOUR negative accounts, same account number. Is that legally acceptable? I have never recieved a letter, phone call or any information that could assist with getting this paid. Any assistance you can provide me would be great, sample letters to dispute, if this is legal or if I just have to suck it up and deal with it. Yes, I understand it is my fault. I am not 'justifying' my actions, nor am I attempting to make lame excuses. I screwed up and am trying to move forward and understand this 'credit' worlds. I own my mistakes. I'm simply asking...are they able to make claims on each dispursement or one lump sum per loan? Maybe I put the wrong header...I am accepting responsibilty...please don't judge my character...I'm looking for answers, not life coaching.

Public Comments

1. What are you disputing? It was your responsibility to notify the lenders of your address change and to follow up if you weren't receiving their statements at your new address.
2. I understand that you did not get your mail but you knew that you had the debt to pay. I would contact both loan companies and see what you can do to bring your payments current. Good luck.
3. Call the banks and other lending institutions involved. If no result, talk to an attorney.
4. yes, you can always pay online. the wrong billing address is a lame excuse. it is your responsibility to get a hold of them. and not theirs. the banks ofcourse will never call you, they want you to pay for the interest. the best thing to do now is to pay it all off and move on with your life. I know someone who had a bad credit for 2 years and she moved on with her life.after paying it all off and start getting a new credit card with super high interest she started building a good credit again and is able to buy things again like house, cell phone etc.
5. You didn't mention if you had become current on the loans yet, but if not you can call in and speak to a supervisor and see if they will remove the negative entries in exchange for bringing the loans current.