Do Student Loans Build Credit? (& How To Fix Missteps)

Find out if student loans help to build your credit. Also, learn how to handle any negative items linked to your student loan

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As long as you make timely payments and pay off your student loans, they help build your credit. If your payment history has a few bumps in the road, you may be able to dispute the negative items. The easiest way to erase inaccurate problematic records is with help from an expert — like Credit Glory!

Can you build your credit with student loans?

If you have a long positive payment history and pay off your student loans on time, they help you build your credit. Can student loans hurt your credit? In general, a student loan only hurts your credit if you make late payments or if it falls into collections.

What if there are problems with your student loan?

If there are a few blemishes on your credit report from your student loan, your first step is to verify them. Double-check any derogatory remarks and confirm all negative items have valid information. What's the point? If the negative item is inaccurate, you can dispute (& remove) it!

You have 2 options when disputing. First, there is DIY (which can be confusing & time-consuming). An easier way? Simplify the process with an experienced credit repair company (like Credit Glory).

How to dispute (& remove) inaccurate negative items yourself

Disputing inaccurate negative items on your credit report on your own is possible — but it's a tedious process. Here are the steps to file a dispute:

Step 1: Write a dispute letter

There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner (like Credit Glory) can simplify the process with proven results.

Step 2: Collect supporting docs

If you find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. A key here is ensuring you send copies — not originals.

Step 3: Wait for a decision

If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything correctly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed.

Credit Glory makes your dispute easier (& protects against future issues)

Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).

Choosing Credit Glory for help with your dispute provides:

  • A proven disputing process, backed by a risk-free guarantee.
  • Best-in-class support, so you always know what's going on with your dispute.
  • Long-term protection against future errors with comprehensive credit monitoring (provided by IdentityIQ)

Boost your score with Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals are here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Get Your Student Loans Professionally Removed

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 990-2003 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.