I did not write a letter, however, I called NelNet - my student loan provider and asked over the phone for them to correct my report. Said I had been paying on time for several years and would like a gw adjustment.. I was told they could not do that by law because the report was not accurate. Asked again, I said they could use their discretion, late because of job loss, trying to rebuid credit etc... Still nothing..... BUT the next month the negatives came off all three reports! I think the conversation was being recorded and she had to say the "correct " thing but went ahead and deleted them anyway. Give it a try!
