Rebuilding Your Credit

[emend23]

Like just letting know as there's currently nothing owed if it can be removed due to having a 0 balance?

Sorry for so many questions just trying to see what i need to be done.

[Shogun]

Right, if there is $0 balance owed to them, then there is no debt to them, so an attempt to GW them to have it removed will do no harm, it might just get that negative deleted.

[emend23]

Hmm i'll try to see if there's any letter than i can get an send them out

[emend23]

On the good will letters; I dont send those to the ones that are showing Paid as Agreed  for my student loans with a zero balance right? In my opinion are helping my credit?  After reading the board, Im thinking of sending the Credit Advocate Sallie Mae and email with my request as I was able to rehab these loans below.

Do you think i'll have any success in that?  The ones that are showing before rehab what's the likely hood that I might be able to get some assistance?

Rehab loans combined in 2 loans:

Us Dept Ed	XXXXXXXXXXX	9/2012	$8,269	Pays account as agreed
Us Dept Ed	XXXXXXXXXXX	9/2012	$5,354	Pays account as agreed

After Rehab :

Sallie Mae	XXXXXXXXXXXXXXXX	3/2006	$0	Pays account as agreed
Sallie Mae	XXXXXXXXXXXXXXXX	10/2003	$0	Pays account as agreed
Sallie Mae	XXXXXXXXXXXXXXXX	3/2006	$0	Pays account as agreed
Sallie Mae	XXXXXXXXXXXXXXXX	6/2004	$0	Pays account as agreed
Sallie Mae	XXXXXXXXXXXXXXXX	10/2003	$0	Pays account as agreed

These are the same accounts but showing past due before rehab;

Sallie Mae	XXXXXXXXXXXXXXXX	3/2006	$0	120+ days past due
Sallie Mae	XXXXXXXXXXXXXXXX	3/2006	$0	120+ days past due
Sallie Mae	XXXXXXXXXXXXXXXX	6/2004	$0	120+ days past due
Sallie Mae	XXXXXXXXXXXXXXXX	10/2003	$0	120+ days past due
Sallie Mae	XXXXXXXXXXXXXXXX	10/2003	$0	120+ days past due

[Shogun]

You are correct, only send to the ones with the baddies.