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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 Opened:
08/2006
Reported Since:
04/2008
Date of Status:
06/2008
Last Reported:
06/2008
Type:
Installment
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$1,759
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA
Account History:
Charge Off as of May 2008, Apr 2008
soemthing like this :-)
2/12/2012
Your name and address
University Of Phoenix
4615 E Elwood St
Phoenix, AZ-850401908
(480) 557-1070
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.
Best Regards,
Your name
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/tab/message?q=+University+of+Phoenix+
Hope this info helps
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.