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Direct Loans removed from credit reports!! Goodwill Letters work!

Member

Direct Loans removed from credit reports!! Goodwill Letters work!

I stumbled upon this community on Wednesday as I researched to find ways to clean up my credit report. Direct Loans was reporting a couple of late entries so I wanted to see if there was any hope in removing these entries. I read how several people have had successful results from sending Goodwill Adjustment letters. So, Thursday I decided I would give it a try and sent a  Goodwill Adjustment letter to Direct Loans. I reviewed all three of my credit reports this morning and noticed that Direct Loan has been removed from my reports!! WOW, I really did not think they would remove it without me going through several attempts. I am so excited and just had to share my results. This is an awesome community with a lot of great information!  

Message 1 of 14
13 REPLIES
Senior Contributor

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Welcome to the forum!

 

Congrats! This forum has literally changed my life because I have improved my credit substantially. 

Message 2 of 14
Contributor

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

That is awesome!  I have a student loan with some serious deliqencies reporting Smiley Sad from 5 years ago.  What address did you use for the GW?  Could you please PM the info?  The lates are only reporting on EQ and TU which is why probably why my EX is way higher than the other two.  Thanks!



Starting Score: EQ FICO 673 TU FAKO 641
Current Score: EQ FICO 740, EX FICO 748, TU FICO 722 (Discover)
Goal Score: All 730+ FICOs


Take the myFICO Fitness Challenge
Message 3 of 14
Highlighted
Established Contributor

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Would you mind sending this info. via PM, please? Thanks


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 4 of 14
Established Member

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Please PM me the info on who you contacted.  They treated me like a criminal just for asking, and then claimed there was nothing wrong with the fact that due to hte way they reported, a 120day late on ONE loan, became 3 120 day lates because of their craptastic reporting system.  I paid off the loans in full (with some help from family who I am now paying back).

Message 5 of 14
Member

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Can someone pm me with the address as well?  I've been sending letters with no response wondering if they're going straight to the trash.

 

Thanks in advance!

Message 6 of 14
Established Member

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Can I please get a copy of the letter and the address also. 

 

Thank you in advance

Message 7 of 14

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Could someone send me the direct loan address/info also?

Message 8 of 14
Contributor

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Congratulations. Would you mind sharing the contact information with me?

Message 9 of 14
Established Member

Re: Direct Loans removed from credit reports!! Goodwill Letters work!

Congratulations on your success!!! Will you please send Direct Loans contact information via PM as well?


EFX Starting Score:
589 EXP Starting Score: 622 TU Starting Score: 647
EFX Current Score:
705 on 4/16/15 EXP Current Score: 696 on 4/17/15 TU Current Score: 710 on 3/29/15
Across the board:
700

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Message 10 of 14