01-26-2012 09:34 AM
Has anyone ever had any luck getting lates removed from an AES account. This is the most recent late on my report (about a year ago). Now the lates were after I applied for a deferment, but before I was actually approved. AES also keeps randomly putting my accounts in and out of deferment? I emailed them and asked for a GW deletion but got nowhere. These are the ones that are hurting my score the most, any ideas?
01-28-2012 12:20 PM
I talked to an AES representative and they told me after two years the late payments would be deleted. I am at my two year mark now, so I disputed online with my credit bureau (equifax) and am waiting for a decision. I too have a deferment plan with AES. Hope this helps.
01-28-2012 09:12 PM
01-29-2012 03:00 PM - edited 01-29-2012 03:02 PM
Your results may be different, but I've been waging a battle against AES for 2 years now and I have had absolutely no luck. I HATE AES with a passion!!!
Since they are only a servicer of student loans and not an actual owner of any student loans, they will always cop out by saying "we are just a serviucer and have to report per our agreement with the loan holder" and then the loan holder will tell you "AES handles all of our loann servicing and credit reporting so you have to speak with them." After dozens and dozens of letters and calls to both AES and the actual loan holders, I have given up. It's circular and frustrating.
In response to the previous poster's comment saying that AES told him/her they would delete, that has not been the case for me. I was never told that, but my lates are older than 2 years and the lates were not deleted. I have a feeling AES was either being dishonest when they told the previous poster that or the person he/she talked to simply had no idea whay they were talking about. I would love to hear an update though!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.