What does AES/NAVIENT mean on my credit report?

Learn about AES/NAVIENT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is AES/NAVIENT?

AES/NAVIENT is shorthand for Navient Solutions LLC, with the company name being Navient Solutions, LLC

Millions of people have achieved successful student loan status, check out some of our stories-and learn how we are helping to improve student loans. Visit Navient.

AES/NAVIENT is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Navient Solutions LLC.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

  • ⚫ The average account balance is $3200.

  • ⚫ The average high credit balance is $12700.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Education

How do I contact them?

Here is the current contact details for Navient Solutions LLC:

Address:

  • P.O. Box 9635. Wilkes-Barre, PA 18773

Website:

Email:

Phone:

Payments

This website provides several options for making payments, including online, over the phone, and with a mobile app. You can also enroll in Auto Pay to have payments automatically deducted from your bank account. There are no penalties for late or missed payments, but there may be fees depending on the loan type.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

NaviRefi and Earnest offer loan consolidation as a repayment option for federal and private student loans. Loan forgiveness may also be an option for federal student loan borrowers. To qualify for loan forgiveness, federal student loan borrowers can download the form. Private student loan borrowers should call to enroll in Auto Pay.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online, over the phone, or in person. You can also use a mobile app to apply for a loan. You can make payments with a debit card, from outside of the US, and with special instructions. You can also auto allocate an overpayment or underpayment across loans, and specify a default payment direction.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

AES/NAVIENT IdentityIQ Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove AES/NAVIENT from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.