I had a student loan with TFC which i paid ALL of it ON TIME. Their computer made an error that I was delinquent for 120 days! That was reported to the credit agencies, and my score went down 100 points plus I could not get any good business loans or anything else with good rates. So after a long back and forth for several months, I cleared that up with them, they wrote a letter to the credit agencies to clear it up from my report (note, this took 8 months). This was in May 2009. I recently checked my credit report and scores (all... read full review »