I recently paid off my sallie mae loans in January after receiving a 90 day past due report in January (I actually paid it off the day it was reported to the credit bureau) was indicated on my credit report. Prior to that I was making my payments on time. Do you think a Goodwill Letter would be effective for the late payment? Or is the timing too soon, since the late report was made in January?
On a more general note; would you suggest calling a creditor prior to writing a Goodwill letter?
Sallie Mae is the only company where I tell people to give up on... I fought with them for months on a 90 day late my brother has from 3 years ago (which is still there today). They wouldn't budge. Most people who have tried GW with Sallie Mae will tell you the same.