Credit Card Center Advertiser Disclosure

Reply
New Visitor
Posts: 1
Registered: ‎04-18-2016

ACS Good Will Info

Does anyone have contact information to send a good will letter to ACS? I have a 30 day late payment that just showed up! Ive been out on maternity leave and this payment completely slipped my mind! It dropped my score 45 points Smiley Sad

Regular Contributor
Posts: 161
Registered: ‎05-15-2017
0 Kudos

Re: ACS Good Will Info

I have the same questions. I have a late from ACS which was supposed to be on deferment at the time. Thanks to anyone who has any information on ACS!

New Visitor
Posts: 1
Registered: ‎05-30-2017
0 Kudos

Re: ACS Good Will Info

I'm mailing off a Goodwill to them today.  

 

ACS/SLFC

C/O ACS

501 Bleeker Street

Utica, NY 13501

Valued Member
Posts: 36
Registered: ‎04-23-2017
0 Kudos

Re: ACS Good Will Info

[ Edited ]

I wish you all the luck with ACS. I sent them a GW letter May 5, 2017. I got this secured email response from the Resolution Management Group on 6/12/2017:

 

Unfortunately, ACS Education Services is unable to accommodate this request. When servicing your loans, we are required to abide by the Federal Regulations which require we report delinquencies to the Major Credit Bureaus when an account becomes 60 or more days past due. ACS, as the servicer, does not have the authority to deviate from those guidelines. We are contractually obligated to your lender to report accurate information. 

 

I sent a 2nd letter and no response yet. But it so happens that these same loans were consoldiated and paid in full the same day I got their response (6/12/17). I may even mention Section 623(a)(2) of the FCRA to save time and hope this works. 

CH7 BK: 10/26/17 || Discharge: 2.2.17 || Rebuilding: 3.29.17-- EQ 637 | TU 612 | EX 664 -- VS 711, 711
CapOne Plat: $400 | Overstock: $1,400 | Kohl’s: $300 | Victoria Secrets: $250 | CapOne Auto: $26,601 | Navient: $49,401 (11 loans)
UTI: 1% | BALANCES: Credit Cards: $29 (4) -- Auto: $26,401 (1) -- Student: $58,460 (11) -- Collections/Mortgage: $0

JUL ’17 -- FICO 8: EX 676, EQ 666, TU 645 || VS 3: EQ 671, TU 677 || INQs: 2, 2, 6 -- AAoA: 7y -- Oldest: 17y 11m
Risk: 13%, 13%, 27% || LATE’s: LY $0 -- Last Rep. 2y 10m ago (2-30d, 9-60d/90d; on closed, paid student loans)
Valued Member
Posts: 36
Registered: ‎04-23-2017
0 Kudos

Re: ACS Good Will Info

[ Edited ]

liv22 wrote:

I wish you all the luck with ACS. I sent them a GW letter May 5, 2017. I got this secured email response from the Resolution Management Group on 6/12/2017:

 

Unfortunately, ACS Education Services is unable to accommodate this request. When servicing your loans, we are required to abide by the Federal Regulations which require we report delinquencies to the Major Credit Bureaus when an account becomes 60 or more days past due. ACS, as the servicer, does not have the authority to deviate from those guidelines. We are contractually obligated to your lender to report accurate information. 

 

I sent a 2nd letter and no response yet. But it so happens that these same loans were consoldiated and paid in full the same day I got their response (6/12/17). I may even mention Section 623(a)(2) of the FCRA to save time and hope this works. 


 

I requested a "GW adjustment to remove multiple lates 1 year early" and the "account status" be "updated" for an account closed, sold and transferred in 2013. The original delinquency reported was 5/2011, 6 years ago, and th account status still states "payment is 120 days or more past due"

 

In my 2nd letter, I sent proof that my lender they are "contractually obligated to report accurate information" already deleted the entire entry from my credit file, is no longer my lender, and sent proof the loans have been in "good standing" since 2015 before I filed for BK. 

 

Maybe they are more willing to help somoene with 1-2 late payments only though. Fingers crossed for you. 

CH7 BK: 10/26/17 || Discharge: 2.2.17 || Rebuilding: 3.29.17-- EQ 637 | TU 612 | EX 664 -- VS 711, 711
CapOne Plat: $400 | Overstock: $1,400 | Kohl’s: $300 | Victoria Secrets: $250 | CapOne Auto: $26,601 | Navient: $49,401 (11 loans)
UTI: 1% | BALANCES: Credit Cards: $29 (4) -- Auto: $26,401 (1) -- Student: $58,460 (11) -- Collections/Mortgage: $0

JUL ’17 -- FICO 8: EX 676, EQ 666, TU 645 || VS 3: EQ 671, TU 677 || INQs: 2, 2, 6 -- AAoA: 7y -- Oldest: 17y 11m
Risk: 13%, 13%, 27% || LATE’s: LY $0 -- Last Rep. 2y 10m ago (2-30d, 9-60d/90d; on closed, paid student loans)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.