This page has a few vulgar words, and this post will not be appropriate for children, nor anyone who are easily offended by such language. In which case, you will definitely want to avoid the last paragraph.
About 5 years ago, I had to get a loan to try to settle personal issues. I got a second one to address some debt I had that I was trying to consolidate and reduce. As time went on, it will become apparent that no matter what I will do, if I can’t address the student loan, any other financial issues will not matter if they are addressed (as far as a Credit Score goes). Nonetheless, I wanted to keep things right with One Main Financial.
During the whole period of the loan, I changed the bank, got a letter from the bank disclosing the R&T/Account number, and strived for the most smooth transition possible. Nothing wrong there. In addition, I had one month deferment while they were Citi Financial, and while I had to move to Troy Hill, I tried to get an extension on the loan for the security deposit and first month rent (which I had some of it already). They refused. I then tried to get a deferment of 3 months which they refused. Fine, despite me being a very good customer, and addressing any issue that may have appeared immediately by going there personally on a couple of buses, fine. I obviously learned they no longer wished my business after this loan was settled.