Credit Card Center Advertiser Disclosure

Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0 Kudos

Sallie Mae GW Worked... Persistence Pays Off!

I am blown away. Let me give a little history first. All of my student loans have been serviced by Sallie Mae since 1999. Around August 2004 I decided to put my loans into forbearance (via Sallie Mae's website) due to overextending my financial capabilities to help a family member in need. Unbenounced to me, Sallie Mae hit me with a 90 day late (on EX only for whatever reason) for Nov 2004.  
Since I have kept a credit journal (which I assume you all are doing) I can give you exact details.
The saga begins...
12/16/2004 - Disputed as never late.
12/31/2004 - Came back verified.
03/30/2005 - Faxed GW. (no response)
04/06/2005 - Sent GW via PFB. (no response)
04/12/2005 - Sent BBB complaint. (no response)
04/13/2005 - Emailed Sallie Mae CEO directly. Also sent the same info from e-mail via general cust service form.
04/21/2005 - I get an e-mail from Corporate Borrower Services indicating they cannot remove but will send me a credit reference letter stating the account has been current since, as if FICO cares about that, LOL. In my correspondences I made the mistake of only telling them the late was on EX. In this same email from Corporate Borrower Services the lady tells me that they are investigating why the late is not reporting to all three bureaus. CRAP! Imagine my frustration.  I figured I really screwed myself now. Luckily the late never made it on TU or EQ.
4/22/2005 - I reply reiterating that I applied for forbearance and never received a bill or notification to indicate otherwise. I get a reply a few hours later which includes detailed information of their collection attempts from 2004 (down to the day). I am confused as I don't recall any of these attempts.
4/23/2005 - I reply again stating that I find it hard to believe
that I would have missed all of these collection attempts. I ask her to
provide proof these letters were mailed and these calls were made thinking I might win benefit of the doubt.
4/28/2005 - I receive photo copies in the mail of every past due statement (one for each of month between the time I thought I was in forbearance and when the 90 day late posted). Sure enough, the address they sent the letters to was correct. Was this a conspiracy? Could all three letters have been lost in the mail? Highly unlikely. At this point I decide to give up with and hoped maybe a future dispute would work out in my favor. Which is silly considering the CRA I am dealing with here.
05/16/2005 - Disputed as never late. 
06/08/2005 - Came back verified.
10/05/2005 - Disputed as never late.
11/01/2005 - Came back verified.
04/27/2006 - Tried Disputing as never late. (Received EX "Already Verified/Previously Investigated)
06/08/2006 - Tried Disputing as never late. (Received EX "Already Verified/Previously Investigated)
10/05/2006 - Tried Disputing as never late. (Received EX "Already Verified/Previously Investigated)
03/12/2007 - Tried Disputing as never late. (Received EX "Already Verified/Previously Investigated)
06/23/2007 - Sent another GW thinking I am wasting my time.
07/09/2007 - Receive a Letter from Sallie Mae indicating that because of the Higher Education Act, they are required to report factually, blah blah. I go to the second page of the letter which reads "However, we have submitted an update to the national credit bureaus to remove the negative reporting. Please be advised that I have issued this retraction due to the confusion surrounding the forbearance and the timely payments made after this reporting. Any valid negative information reported to the national credit bureaus in the future will not be removed."
I swear I must have read that paragraph four or five times in disbelief. Pulled EX report immediately after and it is gone!!
It's hard to classify this as a traditional GW as I still believe to this day that Sallie Mae has been incorrect in their reporting all along. Problem is I could never prove that I submitted the forbearance when I said I did (which is why you should print off your online disputes after submitting). So this has always been a my word against theirs battle from the beginning. Since I had no proof (and they have copies of the letters which were supposedly sent to me), GW, disputing and time were really my only options.
So, it's been quite the journey. NEVER give up!
FYI... the address I mailed my most recent letter to is:
Customer Advocate Unit
P.O. Box 4200
Wilkes Barre, PA  18773-4200
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Terrific! This indeed is a first!
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Yea, I am still in shock. Smiley Happy
Established Contributor
Posts: 578
Registered: ‎06-18-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Congrats Tusc!
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

That is fantastic news! Congratulations Tuscani!!!! Smiley Very Happy
Moderator Emeritus
Posts: 2,050
Registered: ‎04-17-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Fabulous!!!  Smiley Happy
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Frequent Contributor
Posts: 278
Registered: ‎04-29-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

i am hoping i can get some type of results from them also.  my loan will be pif soon though so i dont know how that will effect my scores

Starting Score: 643
Current Score: 657
Goal Score: 700

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 436
Registered: ‎06-15-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Congratulations Tuscany!!!!

That was quite a journey.
Established Contributor
Posts: 565
Registered: ‎06-11-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

HELL YEAH!!!!! That's what I want to hear!

You are right--persistence pays off!
Valued Contributor
Posts: 1,065
Registered: ‎04-26-2007
0 Kudos

Re: Sallie Mae GW Worked... Persistence Pays Off!

Awesome  way to go.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.