How to Remove Nelnet Collections From Your Credit Report

Updated

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If Nelnet is showing up on your credit report, your student loans may be affecting your credit score. Whether it’s a late payment or a collection account, it’s important to address the issue quickly to limit the damage to your credit.

Here’s what you need to know about Nelnet, how they operate, and how to remove their negative marks from your credit report.

Who Is Nelnet?

Nelnet, Inc. is a major student loan servicer based in Lincoln, Nebraska. They manage federal and private student loans, handling tasks like customer service, billing, and repayment processing. In addition to loan servicing, Nelnet provides payment plans and software solutions for schools and other educational organizations.

If you’ve borrowed student loans, Nelnet might be the company managing your account. If you fall behind on payments, Nelnet can report late payments or send your account to collections, both of which can hurt your credit.

How to Remove Nelnet From Your Credit Report

Student loan collections and late payments can stay on your credit report for up to seven years, lowering your score and making it harder to qualify for new credit. Here are your options for removing Nelnet collections:

  • Dispute Errors: Check your credit report for mistakes. If Nelnet is reporting incorrect information, dispute it with the credit bureaus.
  • Request Debt Validation: You have the right to ask Nelnet to prove the debt is accurate and belongs to you. If they can’t, they must remove it.
  • Negotiate a Pay-for-Delete: In some cases, you can offer to settle the debt in exchange for the account being removed from your credit report. Get the agreement in writing before making payment.
  • Work With a Credit Repair Company: Credit experts can help dispute negative items and may increase your chances of removing collections or late payments.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Nelnet?

Before reaching out or making payments, confirm the debt is valid and accurately reported. Sometimes, debts are reported in error, or they may be beyond the statute of limitations for collection.

Also, be aware that making payments on certain debts can restart the reporting timeline, which might keep negative information on your credit report longer.

If you’re unsure how to handle Nelnet, a credit repair company can help guide you through the process.

Nelnet Contact Information

  • Office Address:
    Nelnet
    121 S 13th St.
    Lincoln, NE 68508
  • Mailing Address:
    Nelnet
    P.O. Box 82561
    Lincoln, NE 68501-2561
  • Phone Number: (888) 486-4722

Complaints About Nelnet

Like most large loan servicers, Nelnet has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

  • Incorrect reporting on credit reports
  • Poor customer service
  • Failure to provide accurate loan information

If you experience harassment, inaccurate reporting, or other issues, you can file a complaint with the appropriate agencies.

Your Rights When Dealing With Nelnet Collections

Federal and state laws protect you when dealing with debt collectors and loan servicers. The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) provide the following protections:

  • Nelnet cannot report false or incomplete information.
  • You can request debt validation within 30 days of first contact.
  • They cannot harass, threaten, or use abusive language.
  • They must clearly state they are a debt collector during calls and in writing.
  • They cannot threaten arrest or legal action they aren’t legally allowed to take.

Remove Nelnet From Your Credit Report Today

Dealing with student loan collections can be stressful, but you don’t have to do it alone. Credit Saint helps clients challenge inaccurate or questionable items on their credit reports, including collections from Nelnet. They’ve been helping people improve their credit for over 15 years and even offer a 90-day money-back guarantee for peace of mind.

Want help fixing your credit? Visit their website or call (855) 281-1510 to get started.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.