01-17-2013 09:15 AM
As most people on the board, I haven't had luck with ACS granting me GW on late payments.
I was wondering if I bypassed them and went to the lender (SLMA on one, BofA on two) has worked for anyone?
If so and you still have the contact information you used I would VERY MUCH appreciate it!
01-28-2013 11:34 PM
It would probably not work simply because ACS is pretty hard to negotiate with and to put it very bluntly, these people gain nothing out of granting a GW delete.
01-29-2013 02:53 PM
02-03-2013 09:14 AM
If BofA sl department is anything like their CC dept., they probably won't be of any help.
But I'm always of the opinion that you can't win unless you try.
How late were the payments?
one each of: 60,90,120
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.