Healdsburg, CA asked in Identity Theft and Consumer Law for California

Q: My four-year-old student loan was just added to my credit report. It ruined my mortgage is this legal

I got a business school loan refinanced by local bank. At the time it seem like their policy was not to report the debt to credit bureaus. Four years later with a perfect payment history they decided to report it. It didn’t hurt my credit score but it did hurt my debt to income ratio and now I’m forced to pay it off unexpectedly. It seems like I should have the right to a reasonable expectation of what will show up on my credit report based on my current behavior not some thing years old is there anything that lets me remove it

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1 Lawyer Answer
Scott Richard Kaufman
Scott Richard Kaufman
  • Consumer Law Lawyer
  • Los Altos, CA
  • Licensed in California

A: You have a right to accuracy. If it's inaccurate you have a claim.

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