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Established Contributor
Posts: 565
Registered: ‎06-11-2007
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Re: Credit improves as Installments fall

I wish I had your luck. CC companies don't seem to be a problem if you dispute something, but student loans (with ACS and AES, not Sallie Mae) seem to be the most hard-ass companies. And ironic too because my records with them are the best records on my entire credit history.

Me: "Can you remove a late payment that is 5 years old?"

Student loan: "STFU, NOOB"
Frequent Contributor
Posts: 285
Registered: ‎06-05-2007
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Re: Credit improves as Installments fall

i think u may have a better chance if its paid off
Frequent Contributor
Posts: 285
Registered: ‎06-05-2007
0

Re: Credit improves as Installments fall

no they dont hav a negative affect
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Credit improves as Installments fall



rifleman wrote:
I wish I had your luck. CC companies don't seem to be a problem if you dispute something, but student loans (with ACS and AES, not Sallie Mae) seem to be the most hard-ass companies. And ironic too because my records with them are the best records on my entire credit history.

Me: "Can you remove a late payment that is 5 years old?"

Student loan: "STFU, NOOB"

Your right on about this.  Friends of mine have gone through hell like many here.  Never heard of GW working on an SL, your just stuck.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Established Contributor
Posts: 565
Registered: ‎06-11-2007
0

Re: Credit improves as Installments fall

that's a good point about having a chance if the loan is paid off--I did pay one off last month and I'm thinking I might try GW with that one
Valued Member
Posts: 158
Registered: ‎06-15-2007
0

Re: Credit improves as Installments fall

wrote a gw letter directly to the CEO, and a VP of something called me and stated they are working on my case so well see how it turns out,,,,im guessing a no
New Contributor
Posts: 51
Registered: ‎05-09-2007
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Re: Credit improves as Installments fall

I've tried GW letter with Nelnet and Direct Loan Servicing and get decline letter from both.  Said cannot remove or change accurate information.

Starting Score: 580
Current Score: 580
Goal Score: 750


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Established Contributor
Posts: 565
Registered: ‎06-11-2007
0

Re: Credit improves as Installments fall

It's strange. Why would student loans give people such a hard time? You'd think credit cards would.

Ever try to call them an ask them to lower your interest rate?
Valued Member
Posts: 158
Registered: ‎06-15-2007
0

Re: Credit improves as Installments fall

SL are the absolute worst!!! everytime I look at my CR i wanna pull my hair out because your right your stuck with SL's.  That is the one thing that is killing my score and there nothing I can do about it.  Still havent got a call back from that person from Sallie Mae, maybe ill be the first in history to check my CR and *POOF* theyll be gone!!!! hahaha in my dreams!!!
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Credit improves as Installments fall

You are stuck with them if they are valid. The Higher Education Act requires that all student loans report for the full seven years.

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