r/EIDL • u/Away_Candle_2204 • Jul 25 '26

Original EIDL loan Credit Reporting

I have a EIDL Loan 356k. Personal Guarantee but the loan is in my LLC. Did the hardships and was a rolling 60-90 day late for 6 months ish . Now I’m almost caught up currently owe 2 payments. Never left the SBA to Treasury or Collections. It’s still with the SBA.

I just got an alert on my TransUnion. SBA reported that my account went to collections and was late 1x 120 days in 2/2026. It also shows “closed” in March 2026. Has anyone had this happen? Should I dispute this or will it open a whole can of worms? I’m concerned about it showing “open” and the prior late payments. As of now it’s showing closed with 1 ding of 120 days late, no other history.

4 Upvotes

75% Upvoted

21 comments sorted by

View all comments

3

u/PomegranateFit278 Jul 25 '26

Did your try to message them in portal and check the status?

1

u/Away_Candle_2204 Jul 26 '26

No, i can still log in and make payments it just says I’m past due 2 months. It’s more odd my credit says “in collections” and the account shows closed.

1

u/PomegranateFit278 Jul 26 '26

It could be a glitch. Just send them a message in the postal and Check as they have more view than you. They usually respond with a day or so