02-01-2012 02:00 PM - edited 02-01-2012 02:00 PM
Here is my situation:
I attended UOP in 2006 and wasn't able to complete the course. Subsequently, my account went into default BUT I paid the remaining balance in full.
However, it is hurting my credit score tremendously and I need help in clearing up the derogatory remark on my credit report.
Therefore, can someone please provide me with an email or point of contact to whom I should send a GW addressed to or is their a better way to go about this issue?
Please HELP!!! Thank you in advance...
Here is how it reads on my credit report:
Status: Paid,Closed. $1,759 written off.
Date of Status:
Credit Limit/Original Amount:
Charge Off as of May 2008, Apr 2008
02-12-2012 11:38 PM
soemthing like this :-)
Your name and address
University Of Phoenix
4615 E Elwood St
Re: Acct # XXXX
Dear University of Phoenix,
I am writing to you regarding my student loan account #XXXX which I had while I was a student at the University of Phoenix. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.
The reason I could not continue my education and default on this account because of family financial hardship. (tell your touchy story)
I am requesting that you give me a second chance at a positive credit rating by deleting this account from the three credit agencies. The best we could come up at this time is $1000 to settle this account. I am hoping to attend school at the University of Phoenix again in the near future.
Your kind consideration in this matter is greatly appreciated.
02-13-2012 06:24 AM
Do you have proof this was PIF? If so, I would send a direct dispute to the UoP.
Tell them this was PIF and not written off. Then ask if they could delete this item from your CR.
The search function is a very useful tool to use. If you haven't searched the forums yet, here's what I found for you.
Maybe you can find some contact info or send a private message to the poster, to see if they have any info that can help you.
Search for University of Phoenix. http://ficoforums.myfico.com/t5/forums/searchpage/
Hope this info helps
02-13-2012 06:25 AM
just an fyi, i have the same thing, and i Paid in Full directly to them, and they reflected i still owe a balance....
Soooooo these people are scammers.
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