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    <title>topic ACS GW...Bypassing ACS and going to lender? in Student Loans</title>
    <link>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1817951#M10477</link>
    <description>&lt;p&gt;As most people on the board, I haven't had luck with ACS granting me GW on late payments. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I was wondering if I bypassed them and went to the lender (SLMA on one, BofA on two) has worked for anyone?&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If so and you still have the contact information you used I would VERY MUCH appreciate it!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thanks  :smileyhappy:&lt;/p&gt;</description>
    <pubDate>Thu, 17 Jan 2013 17:15:50 GMT</pubDate>
    <dc:creator>awdsmama</dc:creator>
    <dc:date>2013-01-17T17:15:50Z</dc:date>
    <item>
      <title>ACS GW...Bypassing ACS and going to lender?</title>
      <link>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1817951#M10477</link>
      <description>&lt;p&gt;As most people on the board, I haven't had luck with ACS granting me GW on late payments. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I was wondering if I bypassed them and went to the lender (SLMA on one, BofA on two) has worked for anyone?&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If so and you still have the contact information you used I would VERY MUCH appreciate it!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thanks  :smileyhappy:&lt;/p&gt;</description>
      <pubDate>Thu, 17 Jan 2013 17:15:50 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1817951#M10477</guid>
      <dc:creator>awdsmama</dc:creator>
      <dc:date>2013-01-17T17:15:50Z</dc:date>
    </item>
    <item>
      <title>Re: ACS GW...Bypassing ACS and going to lender?</title>
      <link>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1840555#M10625</link>
      <description>&lt;p&gt;It would probably not work simply because ACS is pretty hard to negotiate with and to put it very bluntly, these people gain nothing out of granting a GW delete.&lt;/p&gt;</description>
      <pubDate>Tue, 29 Jan 2013 07:34:24 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1840555#M10625</guid>
      <dc:creator>Barris</dc:creator>
      <dc:date>2013-01-29T07:34:24Z</dc:date>
    </item>
    <item>
      <title>Re: ACS GW...Bypassing ACS and going to lender?</title>
      <link>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1841855#M10629</link>
      <description>If BofA sl department is anything like their CC dept., they probably won't be of any help.&lt;br&gt;&lt;br&gt;But I'm always of the opinion that you can't win unless you try.&lt;br&gt;&lt;br&gt;How late were the payments?</description>
      <pubDate>Tue, 29 Jan 2013 22:53:18 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1841855#M10629</guid>
      <dc:creator>ceemee2203</dc:creator>
      <dc:date>2013-01-29T22:53:18Z</dc:date>
    </item>
    <item>
      <title>Re: ACS GW...Bypassing ACS and going to lender?</title>
      <link>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1851399#M10659</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;ceemee2203 wrote:&lt;br&gt;If BofA sl department is anything like their CC dept., they probably won't be of any help.&lt;br&gt;&lt;br&gt;But I'm always of the opinion that you can't win unless you try.&lt;br&gt;&lt;br&gt;How late were the payments?&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;one each of: 60,90,120&lt;/p&gt;</description>
      <pubDate>Sun, 03 Feb 2013 17:14:30 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Student-Loans/ACS-GW-Bypassing-ACS-and-going-to-lender/m-p/1851399#M10659</guid>
      <dc:creator>awdsmama</dc:creator>
      <dc:date>2013-02-03T17:14:30Z</dc:date>
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