Selene Finance on Your Credit Report: Sending the Right Letter to the Right Address

Selene Finance publishes a page called Customer Disputes. The words credit, credit bureau and Fair Credit Reporting Act appear nowhere on it. What it gives you is a Philadelphia post office box for notices of error under Regulation X and the telephone numbers of two state banking regulators. That is a useful page, and it is the wrong page for the problem most people arrive with. A mortgage error reaches your credit file through a furnisher, and the letter that reaches a furnisher travels a different route, under a different statute, with a different deadline at the end of it. There are three routes in total. Only one of them produces something you can sue on, and it is not the one the servicer's own website points you toward.

A licensed company can still furnish a wrong tradeline

Is this company real? Yes. Selene Finance LP publishes NMLS #6312 in its footer and on a licence list dated 23 January 2026 running to roughly 155 licence and registration lines across 51 United States jurisdictions, territories included. Texas lists an active partnership, file number 0800619399, charter date 27 February 2006; Selene's About page says it has serviced loans since 2007. The two have never been reconciled publicly, so we give both.

Half the internet has the address wrong. The footer reads 3501 Olympus Blvd., Suite 500, Dallas, TX 75019, which the Better Business Bureau files under Coppell, the ZIP code's city; Houston, still in the 2016 audit title below, is the old address, so current street number plus old city is stale, not a second office.

Ownership runs up to Pretium Partners, LLC, which lists Selene as an operating company. The purchase of the parent, Selene Holdings LLC, was announced 17 October 2018; a completion release carries 4 November 2019, while Moody's, writing in January 2021, dated completion to October 2019. We give all three rather than collapse them. Two names is the trap: Selene Finance LP was not absorbed and remains an active Texas limited partnership, the name for the envelope and on the consumer site's copyright line, while the institutional site, seleneadvantage.com, names Selene Holdings LLC at the same address under the same NMLS #6312. One company, two published legal names, both accurate. An unrelated SELENE HOLDINGS, LLLP in Houston is the coincidence that sends a search wrong.

Selene is a special servicer, which explains the rest of the page. Its institutional site sells above and beyond specialized treatment of hard to cure default circumstances, naming its market as Wall Street, private equity, REITs and the government-sponsored enterprises. Notice who is missing: the customers own the loans, and you are the asset. Federal records also identify Selene as a Ginnie Mae master subservicer in the Federal Register in May 2025. That is why a borrower never chose this company and cannot dismiss it.

Now the pivot. A company can hold 155 licences, carry servicer quality ratings and work under federal contract, and still send Equifax, Experian and TransUnion a wrong tradeline. Accuracy turns on whether the data that migrated into a servicing platform matched what left the last one. Selene says as much: its FAQ states that it reports borrower payments (both positive and negative) monthly to the credit bureaus and that a payment not received by the last business day of the billing cycle may be reported as 30 days past due. That sentence makes 15 U.S.C. 1681s-2 apply.

Why the loan moved, and what the transfer rules actually give you

Nobody applies to Selene. Loans arrive by transfer, and because the business is non-performing, re-performing and real-estate-owned loans, the file arrives with history attached: a modification in progress, a repayment plan agreed with somebody else, a bankruptcy, an unexplained suspense balance. Transfer needs no consent and changes no term of the note. It changes the system of record, where credit reporting errors start.

You are entitled to notice, and the two deadlines run in opposite directions. Under 12 C.F.R. 1024.33(b)(3)(i) the servicer handing the loan over must send its notice not less than 15 days before the effective date, and the servicer taking it on not more than 15 days after. That outside date is not absolute: (b)(3)(ii) extends it to not more than 30 days after where the transfer follows termination of the servicing contract for cause, the commencement of bankruptcy proceedings for the servicer, or the commencement of FDIC or NCUA conservatorship or receivership proceedings. Separately, 1024.33(b)(2) exempts three kinds of transfer from notice altogether, between affiliates, on a merger or acquisition of servicers or subservicers, and between master servicers where the subservicer does not change, but every one of those exemptions is conditioned on there being no change in the payee, the address to which payment must be delivered, the account number, or the amount of payment due. Change any one of the four and the notices are required. Keep both notices: they fix the date responsibility moved, which decides which company owned the error.

The sixty-day rule at transfer is narrower than the internet says. 12 U.S.C. 2605(d) and 12 C.F.R. 1024.33(c)(1) say a payment sent to the old servicer within 60 days of transfer, arriving before the due date, may draw no late fee and may not be treated as late. Neither text mentions consumer reporting agencies. Reading not late for any purpose to reach the credit file is a respectable argument, not a protection to plan around. The express bar sits in section six.

Two more rules matter. 12 C.F.R. 1024.41(k) makes a servicer receiving your loan inherit the timeframes already running on a loss mitigation application; being told to resubmit everything is not being told the clock reset. The same rule set bars a first foreclosure filing before the loan is more than 120 days delinquent under 1024.41(f)(1), bars advancing foreclosure while a complete application is pending, and gives an appeal right. 1024.36(d) requires a written answer identifying the owner or assignee of your loan within 10 business days of a request to the designated address: a dated document with a deadline behind it, which beats any lookup tool.

Whether Selene is a debt collector, and what that changes about contact

The careful answer first: under the Fair Debt Collection Practices Act a mortgage servicer is generally a debt collector as to a loan only where it was already in default when the servicer acquired it. It is loan-by-loan, not company-wide. A federal judge applied that test in September 2025, dismissing one plaintiff's FDCPA claim because her loan was not in default at transfer while her co-plaintiffs' claims stood.

The practical answer is that Selene licenses itself as a collector: a California Debt Collection License #10652-99 in the footer, and municipal collection licences from New York City, Yonkers and Buffalo on its licence list. All three lawsuits in the next section are pleaded under the FDCPA, so on a loan that arrived in default the statute is very likely in play.

If it is, the contact rules are not suggestions. 15 U.S.C. 1692c(a)(1) confines calls to 8am to 9pm in your time zone, not the caller's. 1692c(a)(3) bars workplace calls only once the collector knows or has reason to know your employer forbids them, so put it in writing and keep the copy. Under Regulation F, 12 C.F.R. 1006.14(b)(2)(i), more than seven calls in seven consecutive days about one debt, or a call within seven days of speaking with you, raises a rebuttable presumption of harassment. Keep a dated call log.

1692c(c) is the provision people misuse. A written instruction to stop communicating stops contact, subject to three narrow exceptions, telling you efforts have ended and notifying you that a specified remedy may be or will be invoked. It does not dispute the debt, stop the furnishing, or stop a lawsuit. Within thirty days of a collector's first written communication, 15 U.S.C. 1692g opens a validation window that closes on schedule and never reopens; our debt validation letter guide sets out what to demand. Once you have disputed, 1692e(8) makes it a violation to keep reporting the debt without noting the dispute. 1692c(a)(2) requires a collector who knows you are represented on an account to deal with your lawyer; knowledge is account-specific, so a notice of representation must name every loan and account number.

The lawsuits, the audit, and what none of them decided

Search this company's name with the word lawsuit and you meet an attorney advertisement inviting North Carolina residents to submit information while lawyers investigate whether a class action lawsuit can be filed. No caption, no court, no docket. Four rules follow: an investigation is not a lawsuit; a putative class is not a certified class; a solicitation form is not a docket; and surviving a motion to dismiss is not a finding of liability.

Three real cases exist, all attacking one alleged practice: a default letter said to threaten acceleration on roughly 35 days' notice when a foreclosure referral could not lawfully occur that soon. Milam v. Selene Finance, LP, No. 25-1208 in the Seventh Circuit, on appeal from No. 1:24-cv-00317 in the Northern District of Illinois, was decided 22 December 2025. The panel reversed and remanded, holding the record did not establish Selene was an assignee entitled to enforce the mortgage's notice-and-cure clause. That lets the complaint proceed: no violation found, nothing decided about the conduct.

Whitfield v. Selene Finance LP, No. 5:24-cv-00153 in the Middle District of Georgia went the other way for reasons unrelated to the merits. On 2 December 2024 the court dismissed the amended complaint for lack of Article III standing, the alleged injury being emotional distress and fear of hypothetical future harm; that is TransUnion LLC v. Ramirez, 594 U.S. 413 (2021): no concrete harm, no standing. An appeal followed, No. 24-14257 in the Eleventh Circuit, argued 22 April 2026; as of July 2026 we cannot confirm whether it has been decided. A standing dismissal vindicates nobody: the door was shut, not the letter approved.

England, Meyers and Joyner-Perry v. Selene Finance, LP, No. 1:23-cv-00847 in the Middle District of North Carolina produced an order on 16 September 2025 granting the motion to dismiss as to one plaintiff's FDCPA count and as to negligent misrepresentation for everyone, otherwise denying it. The surviving claims have been tested against the pleading standard and nothing else, and the class remains putative. No class has been certified in any of the three, and no court has decided any of them against Selene. One correction to the wider record: an earlier and unrelated lender-placed-insurance class action, No. 1:16-cv-22930-EGT in the Southern District of Florida, reached final approval on 1 December 2017. That certified a class for settlement purposes, a different thing from a class certified to be litigated, and it resolved by agreement without adjudication and, on the source available, without admission. A further class action over payment convenience fees, No. 1:20-cv-21955 in the same court, was filed 5 May 2020; we could not retrieve its disposition, so we state none.

One adverse government document exists in the company's published history, and it is an audit, not enforcement. HUD's Office of Inspector General, Report No. 2016-FW-1005, published July 2016 and titled for Selene's then Houston office, found that except for communicating with borrowers, Selene generally complied with applicable HUD servicing requirements, that it did not communicate timely with delinquent borrowers on 7 of 14 loans reviewed, and that it did not comply with federal bankruptcy laws as to one more. There were no dollar findings, no penalty and no consent order.

Beyond that the searchable record is empty. No enforcement action appears in the CFPB's enforcement database; none at the FTC, New York's Department of Financial Services, or the banking regulators of Massachusetts, Maryland, Washington, Illinois or Texas; Selene was never a party to the National Mortgage Settlement. Three gaps travel with that. The California DFPI could not be reached, and Selene holds two California licences. NMLS Consumer Access could not be retrieved, and regulators report actions there they do not always post. At the Justice Department the published case lists show nothing, but keyword search was blocked and individual United States Attorney releases are not on those lists. That is the public record as of July 2026, not a clean bill of health. No court has found Selene Finance liable to a consumer under the FCRA, the FDCPA, RESPA or TILA.

Selene's addresses, and what a letter to each one buys

Servicers publish the address that takes your money in large type and the address that takes your complaint in small type. Selene publishes six mailing addresses, and sending the right letter to the wrong one is the most expensive clerical error available.

• Notice of error, request for information, qualified written request, HELOC billing dispute: Selene Finance LP, ATTN: Customer Service Research (some pages say ATTN: Customer Correspondence), PO Box 8279, Philadelphia, PA 19101-8279. The Regulation X address, and the only one with deadlines behind it.
• Credit reporting dispute sent directly to the furnisher: no address is published on the website for this purpose. Read the paragraph below first.
• General correspondence and mortgage assistance: Selene Finance LP, PO Box 8619, Philadelphia, PA 19101-8619. One digit apart, and no deadlines attached.
• Overnight or courier correspondence: Selene Finance LP, ATTN: Customer Service Department, 1900 Frost Road, Suite 100, Bristol, PA 19007-1519.
• Payments only: ATTN: Cashiering Department, PO Box 660369, Dallas, TX 75266-0369, and for overnight payments Lockbox Services 660369, 2975 Regent Blvd, Suite 100, Irving, TX 75063-3157. Cheque-processing lockboxes; a dispute mailed to one reaches nobody who investigates.
• Corporate headquarters: 3501 Olympus Blvd., Suite 500, Dallas, TX 75019. An executive suite, not a dispute-handling function.
• Telephone and email: (877) 735-3637 residential; (855) 768-5100 commercial; 711 or (800) 735-2989 hearing-impaired; customerservice@selenefinance.com. None of these starts a deadline.

The first entry carries the weight. Under 12 C.F.R. 1024.35(c) and 1024.36(b) a servicer may designate an exclusive address for notices of error and requests for information, and where it has, a letter to any other address is not a notice of error at all. No five-day acknowledgment. No thirty-day investigation. No 1024.35(i)(1) furnishing bar. The letter is not late or defective; it never entered the regime. That is why a letter to the general correspondence box, or to the Dallas executive suite, produces what people describe as being ignored.

The same PO Box 8279 appears on three Selene pages under two different ATTN lines, splitting two to one in favour of Customer Service Research, the label on the page Selene named Customer Disputes. The box never moves; only the attention line does. Use the label printed on the page you are reading, screenshot it with its date, and send certified with return receipt.

Now the entry that reads like an omission and is not. Selene has not published a designated address for direct credit reporting disputes on its website. That describes the published record; it is not a claim that no such address exists. It may appear on a periodic billing statement or your transfer welcome letter, neither of them online. 12 C.F.R. 1022.43(c) gives a direct dispute three possible destinations. Under (c)(1) you may use the furnisher's address as the furnisher provided it and as it appears on your consumer report, which for most homeowners is the address printed beside the tradeline. Under (c)(2) you may use an address the furnisher has clearly and conspicuously specified for direct disputes and provided to you in writing or electronically. Under (c)(3) you may use any business address of the furnisher, but only where the furnisher has not specified and provided an address under (c)(1) or (c)(2). What you must not do is repurpose PO Box 8279: it is a Regulation X box, and an FCRA dispute dropped into it is a category error at both ends.

And the limitation that governs the whole channel: a direct dispute to a furnisher arises under 15 U.S.C. 1681s-2(a)(8), which sits inside subsection (a), and 1681s-2(c) and (d) foreclose private enforcement of subsection (a). Mishandle a direct dispute and a regulator can act. You cannot. That is not a reason to skip it, and it is a decisive reason not to stop there.

The page called Customer Disputes belongs to a different statute

Selene publishes a page at the address you would guess, titled Customer Disputes. Nowhere on it do the words credit, credit bureau, credit reporting or Fair Credit Reporting Act appear. What it contains, in full, is the PO Box 8279 address designated for written Notices of Error, Requests for Information, and Qualified Written Requests, plus a New York and a Texas escalation route. It is a Regulation X page wearing an FCRA page's name, and a reader doing the obvious thing writes about a wrong late mark and posts the letter into a regime not built to fix one. A grievance site devoted to this company sends readers to the same box under the same attention line.

Here are the three channels, separately, with what each one buys.

Channel one, the notice of error. A written notice of error under 12 C.F.R. 1024.35, sent to the designated address, must be acknowledged within five business days and answered within 30 business days for most of the eleven error categories in 1024.35(b), extendable once by 15 days with notice. It is free, and its credit reporting value is specific: 1024.35(i)(1), echoed in 12 U.S.C. 2605(e)(3), bars the servicer for 60 days after receipt from furnishing adverse information to any consumer reporting agency about the payment the notice concerns. That is the express furnishing bar in this statute, and there is no other; a request for information under 1024.36 carries no equivalent. RESPA gives a private right of action at 12 U.S.C. 2605(f) for actual damages, with additional damages up to $2,000 only on a showing of pattern or practice. What it does not do is reach the bureaus: it binds Selene and obliges Equifax, Experian and TransUnion to do nothing.

Two things switch that protection off, both avoidable. Under 1024.35(g) a notice that is overbroad, duplicative of one already answered, or untimely releases the servicer from the response duties, and the sixty-day furnishing bar goes with them. So write one error per letter, with the date, amount and payment it concerns, and send it to the box in Philadelphia, not the lockbox in Dallas.

Channel two, the bureau dispute. This is the one with teeth and the next section covers it, so one sentence: only a dispute routed through Equifax, Experian or TransUnion causes the bureau to notify Selene, and only that notification triggers 15 U.S.C. 1681s-2(b), the single furnisher duty in the statute a consumer may enforce personally. A notice of error does not do this. A phone call does not do this. Nothing on Selene's dispute page does this.

Channel three, the direct dispute. Under 15 U.S.C. 1681s-2(a)(8) and 12 C.F.R. 1022.43 you may dispute the accuracy of furnished information with the furnisher itself. Done properly it forces a reasonable investigation and a written response, and dates the company's knowledge. It carries, as section five explained, no private right of action, and it may be declined as frivolous or irrelevant where the submission is too thin to investigate, substantially the same as a prior one, or in an excluded category such as identifying details or a dispute prepared by a credit repair organisation. If it is declined, the furnisher must tell you within five business days of making that decision, a clock that starts when it decides rather than when you write. Use it as reinforcement, never as your only move.

The right sequence for a misapplied payment that became a late mark is all three, on the same day if you can: a notice of error to PO Box 8279 identifying that one payment; a bureau dispute with the same documents attached; and a direct dispute to the furnisher address printed beside the tradeline on your credit report. The first freezes the furnishing on that payment for sixty days. The second creates the claim. The third dates the knowledge. Selene also publishes escalation routes on that dispute page: the New York State Department of Financial Services Consumer Assistance Unit at (800) 342-3736, and the Texas Department of Savings and Mortgage Lending hotline at (877) 276-5550. A regulator complaint is a fourth thing, not a substitute for any of the three, and neither is the CFPB portal.

The bureau dispute, and the duty you can actually sue on

Pull all three files free from AnnualCreditReport.com, the federally authorised source: servicers do not always furnish identically, and a discrepancy between two files on the same loan is itself evidence. There is no single creditor name Selene is known to use, so work from what your report prints rather than the name on your statement. The bureaus' current weekly access is a voluntary programme they can change; federal law guarantees, at 15 U.S.C. 1681j(a), one free report from each nationwide bureau every twelve months.

Under 15 U.S.C. 1681i each bureau must reinvestigate free, ordinarily within 30 days and up to 45 where you supply more information within it, and must forward what you sent to the furnisher within five business days. That forwarding is the point: it activates 15 U.S.C. 1681s-2(b), obliging Selene to investigate, review all relevant information the bureau provided, and where the item is inaccurate, incomplete or unverifiable, modify, delete or permanently block it and report the correction to every agency it supplied. Separately, 1681e(b) requires bureaus to follow reasonable procedures to assure maximum possible accuracy, which is why a dispute that keeps coming back verified has two possible defendants.

Write from documents, not adjectives. Name the field, say what it should read, say why, attach the proof. Concretely: the account shows two consecutive 30-day late marks after servicing transferred; the enclosed transfer notice dated 15 March and bank records show both payments cleared to the prior servicer before their due dates. That is something a furnisher must confront; please look into this is not. Our credit dispute letter guide sets out a structure.

Damages sit in two provisions. 15 U.S.C. 1681o gives actual damages plus costs and fees for negligent noncompliance, no more. 1681n gives actual or statutory damages of $100 to $1,000 per violation, punitive damages and fees where the failure was willful, and willful covers reckless disregard. Under 1681p you have the earlier of two years from discovery or five years from the violation; RESPA is harsher, 12 U.S.C. 2614 giving three years from the occurrence of a section 2605 violation with no discovery rule, so a notice-of-error theory can expire while you decide.

What the complaint record shows, and the promise Selene publishes

People arrive at this question wanting a rating, and we do not give one. A star average blends a hold time with a wrongly reported foreclosure and returns a number that helps with neither, and no aggregator score tells you whether a tradeline is accurate. What follows instead is the record: what is filed, under which name, and what the database fields actually say.

A complaint record has structure, and a trap. The CFPB's public complaint database files this one company under two names across a date boundary: Selene Finance LP holds 1,695 and Selene Holdings LLC holds 3,073, a combined 4,768. The changeover falls around January 2020, and that boundary is our reading of the first and last records the database returns rather than a figure the CFPB publishes. Search the name on your mortgage statement, filter to recent years, and you find nothing: everything recent sits under the parent. Any single-name count understates the record by design.

Read the shape instead, and read every narrative as an allegation, published without adjudication. The largest issue categories are trouble during payment process at 1,612 and struggling to pay mortgage at 1,490. The slice mapping onto a credit file is smaller: incorrect information on your report at 197 and problem with a credit reporting company's investigation at 34. In the response fields, 4,721 are closed with explanation, 3 with non-monetary relief and 2 with monetary relief, which describes how a company categorised its own reply, not verdicts on whether any consumer was right.

Now the strongest thing on Selene's website. Its customer assistance page, at selenefinance.com/customer-assistance, states without qualification: No negative credit reporting during the forbearance period. No statute is cited, no end date, no eligibility limit, no scope restriction. That is a voluntary policy commitment, published by Selene and in force now. It is not a legal right, and it is not the survival of one.

The dating matters because the internet is full of pages implying otherwise. The CARES Act credit reporting rule, section 4021, codified at 15 U.S.C. 1681s-2(a)(1)(F), ran only through the covered period, which closed 8 August 2023. The CFPB withdrew its related supervisory statement effective 1 April 2021, and Regulation X's COVID-era provisions were rescinded effective 15 July 2025. Nothing in current federal law compels a servicer to report a forborne loan as current. Selene's promise is worth more for standing on its own feet: a company is answerable for its published words as it is not for a lapsed statute. Get the forbearance terms in writing, save the page with its date, and check your files monthly.

How The Kim Law Firm handles Selene Finance problems

We act for consumers only, never for servicers, investors or credit bureaus. The Selene matters that become cases have a shape: a payment that cleared and was reported late; a plan agreed before the transfer and not honoured after; a bankruptcy that discharged personal liability while the tradeline kept accruing; a dispute that came back verified with nothing changed.

We do not help remove accurate negative information. If the payment was genuinely late and the entry records it correctly, no lawyer can lawfully delete it. A grievance about hold times, a servicer you never chose, or a loss mitigation review is real, and it is not by itself a Fair Credit Reporting Act claim.

The order we recommend is the one set out in section six, notice of error, bureau dispute and direct dispute in that sequence, and an error surviving all three channels is a claim worth assessing.

Bring six things and a first review takes minutes: the 1024.33 transfer notices from both servicers; every statement and payment record for the period in dispute; your escrow analyses; any loss mitigation or forbearance correspondence; your dispute letters with the certified mail receipts; and the bureaus' reinvestigation responses. The last two convert a complaint into a case: they show the furnisher was told, and what it did.

Waiting has a price. The tradeline reports again next month, the 1692g window closes on its own schedule, RESPA's three-year clock at 2614 runs from the occurrence with no allowance for when you found out, and 1681p is running. Our FCRA lawyer guide explains how a case runs, the credit reporting errors overview covers the patterns we see most, other companies appear on our mortgage servicers page, and you can contact us for a free review. Because the statute shifts fees to a prevailing consumer, we work on contingency: no fee unless we win.

Frequently asked questions

What kind of company is Selene Finance, and is it legitimate?

It is a licensed special servicer, NMLS #6312, an active Texas limited partnership headquartered at 3501 Olympus Blvd., Suite 500, Dallas, Texas, with roughly 155 licence lines across 51 jurisdictions and Pretium Partners as its ultimate owner. It is not a lender and you did not choose it; its clients are the investors and trusts that own loans, and it specialises in defaulted and re-performing mortgages. Legitimate and licensed is one fact. Carrying 4,768 CFPB complaints filed under two company names across a 2020 changeover, three pending lawsuits over its default letters and a 2016 HUD audit is another. Both are true at once.

Is there a class action lawsuit against Selene Finance?

Three putative class actions over Selene default letters are live, and no class has been certified in any of them. Milam was reversed at the pleading stage by the Seventh Circuit on 22 December 2025, which permits the complaint to proceed and decides nothing about the conduct. Whitfield was dismissed on 2 December 2024 for lack of Article III standing; an appeal, No. 24-14257 in the Eleventh Circuit, was argued on 22 April 2026 and we have not confirmed whether it has been decided. England was allowed to proceed in part on 16 September 2025 as a putative class. Separately, an unrelated lender-placed-insurance class action in the Southern District of Florida reached final approval on 1 December 2017, certifying a class for settlement purposes only, and a convenience-fee class action was filed there in May 2020 whose outcome we could not retrieve. No court has found Selene liable.

Is Selene Finance a debt collector?

Often yes, and it depends on your loan. Under the FDCPA a servicer is generally treated as a debt collector as to loans that were already in default when it took over servicing, so the answer is account-specific rather than company-wide. A federal court applied that test in September 2025 and dismissed one plaintiff's FDCPA claim because her loan was not in default at transfer. Selene itself discloses a California Debt Collection License and holds municipal collection licences in New York City, Yonkers and Buffalo, and all three pending suits over its default letters are pleaded under the FDCPA.

How do I get a written answer from Selene Finance?

Put it in writing to the designated address rather than calling. A notice of error or request for information under Regulation X must go to Selene Finance LP, PO Box 8279, Philadelphia, PA 19101-8279; that is the box Selene designates, and a letter sent anywhere else gets no acknowledgment, no investigation and no sixty-day furnishing protection. Selene labels that box two different ways across its own pages, so copy the attention line from the page you are reading and keep a screenshot. Send it certified with return receipt. One specific error per letter, with dates and amounts.

Does Selene report late payments while I am in forbearance?

Selene's customer assistance page states that there is no negative credit reporting during the forbearance period. Treat that as what it is: a voluntary policy commitment the company publishes and is answerable for, not a legal requirement. The CARES Act credit reporting rule closed on 8 August 2023, and Regulation X's COVID provisions were rescinded effective 15 July 2025, so no current federal statute compels a servicer to report a forborne loan as current. Get the forbearance terms in writing, save a dated copy of that page, and check all three credit files monthly during the plan.

Distance is no obstacle. The Kim Law Firm represents consumers nationwide in Fair Credit Reporting Act matters from our offices in Philadelphia, Pennsylvania. If a Selene Finance tradeline shows late payments for months you paid, a balance that survived a discharge, or a delinquency that appeared in the weeks after your loan was transferred in, send us the report and the letters and we will tell you what the record supports.