Courtesy Retractions and Credit Reporting
When information is reported accurately, the Fair Credit Reporting Act does not permit Earnest/MOHELA to reverse or provide courtesy retractions of information to consumer reporting agencies. This ensures we provide information as accurately as possible – even when it's not the outcome a customer has hoped for.
If you recognize an error on your credit report related to a loan serviced by Earnest/MOHELA, contact the individual consumer reporting agency reflecting the error or reach out to us directly in writing. Be sure to provide sufficient documentation (supporting material examples below) with a detailed explanation of the basis of the dispute.
Please include your account number, name, address, and telephone number in your dispute. We will then notify you in writing of the result of our review.
Questions about specific factors impacting your credit score should be directed to the consumer reporting agency from whom you obtained the score. We do not produce credit scores. Credit scoring methods are proprietary to the companies that produce them.
Supporting materials can include:
- A copy of the relevant sections of your credit report highlighting the disputed reporting.
- Canceled checks or bank statements reflecting loan payments you believe were not applied to your account.
- School enrollment information related to the loans involved in the reporting.
- An identity theft report and supporting information if you believe your loan is the result of identity theft. This requires filing a report with your local or state police department or other law enforcement agency.
- Any other information you believe is pertinent to your claim.
Contact Information for Credit Disputes:
Earnest/MOHELA Student Loan Refinance and Private Student Loans
Attn: Credit Bureau Management
P.O. Box 9655
Wilkes-Barre, PA 18773-9655
You may also contact the credit bureaus directly. Here is their contact information:
Experian
P.O. Box 4500
Allen, TX 75013
1-888-397-3742
https://www.experian.com/disputes/main
Equifax
1-888-378-4329
https://www.equifax.com/personal/credit-report-services/credit-dispute/
TransUnion
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
1-833-395-6938