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You may occasionally experience challenges with keeping your student loan payments current. If you think you may not be able to make your payments, have missed payments, or defaulted on your loan, the Student Loan Department is here to assist you. You may qualify for specialized repayment plans or have other options such as deferments and forbearance available. For more information and assistance, please give us a call 209.946.2446.Ìý

Credit Reporting and Disputes IssuesÌý

A credit report is your personal credit payment history. Lenders utilize it to decide whether to grant credit. Your credit report shows how much you have borrowed through credit cards or any other types of loans including student loans, and whether you repay your debts in a timely manner.Ìý

The 91³ÉÈ˵¼º½ reports the status of all its accounts to:Ìý

P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111

Most information reported to the credit bureaus remains on your credit report for seven (7) years, and some bankruptcies and legal actions are listed for ten (10) years. You may have no reason to think there is negative information in your credit report. Credit agencies sometimes make mistakes, and if you feel your report contains inaccurate information, you have the right to dispute its accuracy.ÌýÌý

As a consumer under the Fair Credit Reporting Act (FCRA) you have two methods to file your dispute:Ìý

• Ìýfile with a credit bureauÌýÌý
• or direct with Student Loan Department at the 91³ÉÈ˵¼º½.  Ìý

Credit bureau disputes can be filed electronically, and typically allow for a faster response time. You may file a dispute with any of the three main credit bureaus, which are Equifax, Experian, or Trans Union.Ìý

If you choose to file your dispute directly with the Student Loan Department, please follow these steps:Ìý

1. All disputes must be made in writing and include sufficient information to identify your account, such as an   account number, or the last four numbers of your Social Security card, plus your full name, address, and contact telephone number.Ìý

2. List the exact reason you feel the reported account history/information is in error. Explain the basis of your dispute.Ìý

3. Attach supporting documentation or proof to substantiate that an error has occurred.Ìý

Mail your completed dispute packet to:

91³ÉÈ˵¼º½
Attn: Student Loans
3601 91³ÉÈ˵¼º½ Ave
Stockton, CA 95211

We will investigate your dispute and inform you of our response in writing.

You should only handle disputes about erroneous credit information through the appropriate credit bureau. Be extremely cautious of companies or individuals that claim they can "fix" or "clear up" bad credit reports for a fee.
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Contact Student Loans Department

Phone: 209.946.2446
Fax: 209.946.2653
Email:Ìýstudentloans@pacific.edu

Location
Finance Center, 1st Floor
3622 Stagg Way
Stockton, CA 9521

Mailing Address
91³ÉÈ˵¼º½
Attn: Student Loans
​​​​​​​3601 91³ÉÈ˵¼º½ Ave
Stockton, CA 95211

Office Hours
Monday through Friday from 8:30 a.m.–5 p.m.
Closed 12 p.m.–1 p.m. for lunch
Closed Thursday from 8:30 a.m.–9:30 a.m.