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Good Will Failure

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haleyjen
Regular Contributor

Good Will Failure

Navient turned down my first goodwill request (some late student loan payments from 3 years ago...I have since consolidated and am in good standing with Fed Loan).  Now what?

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Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Good Will Failure

Patience and persistence apply.

 

One GW letter rarely works.  Write more.  To more people.  Follow what past successful people have done like this poster: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Navient-Direct-Loans-lates-removal-GW-success...

 

Keep on it.

Message 2 of 10
rmduhon
Valued Contributor

Re: Good Will Failure

If the student loan was federally backed then by law they are required to report the lates if they are valid. Was the loan federally backed and we're they valid?
Message 3 of 10
haleyjen
Regular Contributor

Re: Good Will Failure

Yes, I didn't realize that.  **bleep** it, I will never be free of them then.

BOA Cash Rewards - $500 Capital One Quicksilver: $750 Merrick Double Your Line Visa.- $1000 Mission Lane: $400 Grain: $875 J Crew: $1100
Message 4 of 10
haleyjen
Regular Contributor

Re: Good Will Failure

Actually, wrong, I just looked it up and I can send a goodwill to the Department of Education.  I'll try that.

BOA Cash Rewards - $500 Capital One Quicksilver: $750 Merrick Double Your Line Visa.- $1000 Mission Lane: $400 Grain: $875 J Crew: $1100
Message 5 of 10
Anonymous
Not applicable

Re: Good Will Failure

Try disputing thru the credit bureas
Message 6 of 10
SunriseEarth
Moderator Emeritus

Re: Good Will Failure


@Anonymous wrote:
Try disputing thru the credit bureas

Please note that the dispute process should only be used if the information on your CRs in inaccurate or out-of-date.  Advocation of disputes of valid information as a means of "credit repair" is not a permissable topic on the Forums.



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
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Message 7 of 10
SunriseEarth
Moderator Emeritus

Re: Good Will Failure


@haleyjen wrote:

Navient turned down my first goodwill request (some late student loan payments from 3 years ago...I have since consolidated and am in good standing with Fed Loan).  Now what?


Rinse and repeat.   SLs can be tough to crack for GW removal.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 8 of 10
Shogun
Moderator Emeritus

Re: Good Will Failure


@SunriseEarth wrote:

@haleyjen wrote:

Navient turned down my first goodwill request (some late student loan payments from 3 years ago...I have since consolidated and am in good standing with Fed Loan).  Now what?


Rinse and repeat.   SLs can be tough to crack for GW removal.  


I like this answer.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 10
AutoBot
Established Contributor

Re: Good Will Failure

I was never successful with my GW requests, but that doesn't mean I don't keep trying. Smiley Happy

Message 10 of 10
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