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How do I dispute information on my credit report?

Courtesy Retractions and Credit Reporting

When information is reported accurately, the Fair Credit Reporting Act does not permit Navient/Earnest 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/Navient, 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.

As part of your dispute, you'll need to include your account number, name, address, and telephone number. We'll notify you in writing with 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/Navient 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:


P.O. Box 4500

Allen, TX 75013





TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA  19016-2000


Note: Please provide documentation with a detailed explanation for the basis of the dispute.

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