Step 1: Check your credit reports.
Look for inaccurate information, which can be errors with the account balance or number, disbursement date, or payment status. You can pull a freed credit report from the three major credit bureaus — Equifax, Experian, and TransUnion — at annualcreditreport.com.
Step 2 – File a dispute.
You can dispute online or through the mail by sending a dispute letter to the bureau showing inaccurate information. You’ll want to attach evidence supporting your case, which can be a copy of a student loan statement, and proof of identity (e.g., passport, utility bill, Social Security card, etc.).
Consider mailing your documents “return receipt requested” for proof that the credit reporting company received it. Keep a copy of the letter for your records. You can click here to download a sample student loan account dispute letter from the Consumer Financial Protection Bureau (CFPB).
Step 3: Wait for a response.
Federal law gives the credit reporting bureau 30 days in most cases to respond depending on the type of dispute. During that time, the company is supposed to investigate the dispute by checking its records and contacting the source of the disputed information (aka, the data furnisher), your student loan servicer.
From start to finish, the process to remove student loans from your credit report can take nearly two months.
If you lose the dispute…
You can dispute more than once. But the next go-around, make sure to include additional information. Resubmitting the same information could get the dispute denied automatically for being frivolous.
If the second attempt doesn’t work, you have two options.