Repayment Assisstance Plan (RAP) Issues

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reporting full payment

Printed From: CanadaStudentDebt.ca
Category: Government Program Problems
Forum Name: Repayment Assisstance Plan (RAP) Issues
Forum Description: Rules, regulations and problems (Formerly Interest Relief and Debt Reduction)
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=3063
Printed Date: 26/March/2026 at 10:30pm
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Topic: reporting full payment

Posted By: oilersfan
Subject: reporting full payment
Date Posted: 19/October/2005 at 12:30am

Hi there,

I paid off my student loan in May. Now I would assume they would report this to the credit unions but I just checked my score online and it indicates that my debt is still "unable to locate, bad debt" (something like that). It doesn't say it was paid in pull which another debt case indicates.

Shouldn't the collection agency report that I paid my debt in full?

Replies:

Posted By: SolveStudentDebt
Date Posted: 19/October/2005 at 1:16am

""unable to locate, bad debt" (something like that)."

That is the standard narrastive that descibes a "9" item (R9/I9/O9).

It reads: "Bad Debt DWO, assigned to a third-party for collection/skip unable to locate .."

Unfortunately, the onus is upon the lender to report a debt paid. In your case, because the payment was very recent, the bank may take up to six months to report the new transaction.

The best thing for you to do is to file a consumer requst for changes to be made towards your file. All you do is ask them for a consumer request form, describe what had occured, and show proof of payment - such as the release docment you received to show settled.

The bureau will then update it for you.

Johnny

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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