I filed chapter 7 on October 15. The discharge was February 22.
In 2004 I was sold by a telemarketer for University of Phoenix. Being that I was a young mom and a full time employee, I didn't want to take all the classes they suggested only to see if I could juggle adding classes to my already busy life. The class I enrolled in was a class to prepare me to go to the school online... Not an actual class. I had a tuition with the school of $775.00. However, 3 weeks later, my son contracted Hepatitis and I called the school to let them know I could not continue. I told them I very much wanted to complete college eventually but I had to focus on him.
A year and a half later, we could not keep up with the cost of living during my son's illness and we filed for chapter 7. After our discharge, I obtained a copy of my credit report and knew that I would need to update all the accounts with the bankruptcy information. But I noticed two accounts that were odd. I didn't think too much of it at first because they were included in the chapter 7. But they were 1) College Loan and 2) Acs (both I found are the same company but reporting as if I had two accounts with them.) I called them to update them and they told me that it was a student loan submitted to them by University of Phoenix 6 months AFTER I had already left the school.
I have been fighting this and fighting this for a long time. University of Phoenix had been reporting it, College Loan had been reporting this and ACS had been reporting this. Then, this year in February (3 years after my discharge) I found a negative on my file from California Student Aid. At first, I thought someone was using my credit. I contacted them. They didn't have my numbers or address but told me this was from this tuition thing with the school. I was completely confused. They said that ACS submitted it to them and they as the Federal Government paid them for this loan. I didn't get a loan I told them. I keep explaining that it was just for a start up class to see if I was able to juggle the schedule.
California Student Aid is reporting this now as if I opened this account in 2. I explained that I didn't open this account with them, especially not in 2. They gave me no notice that there was any debt... They just placed it on my credit.
If I do in fact have some Federal Student Loan (which I think I should know if I do or not), I'll pay it. But my concern is that I now have 3 companies reporting this as 3 different charge off accounts on my credit file. I have been fighting this now for 3 months. Every time I ask them to please show me what contract I have that states I have agreed to a loan, nobody can supply me with one.
"College Loan" Reports to all bureaus Opened: 09/27,09,09
Reported: 06/01,06/17,06
As an open charge off
(Over 3 years after they were discharged and I never agreed to have a loan with them.
"University of Phoenix" Reports to two bureaus Opened: 08,08
Reported: 02/22,09
As an open charge off $770.00
"California Student Loan" Reports to all three bureaus | Opened: 02, and a blank open date
Reported: 06/17,05
Collection Charge Off $1072, $920 and $931
I do know that University of Phoenix has a bad reputation with messing up their students in similar ways and has been in trouble in the past. Usacomplaints.com
I have disputed this with all the credit bureaus and the companies for three months without anybody being able to get anything straight or give me any documentation.
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