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Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
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OMG!! 3 SL accounts deleted on TU weird....

[ Edited ]

Okay wow.  I'm in shock here.

 

I logged in to update my CreditKarma only to see it say I had a nice (FAKO) score jump and  my accounts total was down by nearly $8,000.  HUH?  WHY?

 

 

So I did a pull on TU and found the following

 

Closed/Paid  ACS loan w/ 60,90,120day late -- DELETED

Closed/Paid  ACS/BofA loan w/ 60,90,120 day late -- DELETED

 

Now here is the weird one:

OPEN/DEFERRED BofA loan w/ 60 day late  - DELETED

 

I had sent multiple GW emails to ACS about the late payments (found email addresses on the internet fairly easily).  I was told by the person who replied from ACS "sorry, reporting accurately" etc.   So I gave up.  Then yesterday or the day before I got a phone call from ACS (a different person) who told me she reviewed my file and unfortunately they were reporting accurately so she couldn't help.  We chatted for a minute about my current deferrment on the one open loan and that was it.  Call was pleasant, polite etc.

 

Now they are all gone?   

 

I'm expecting the open TL that was deleted to be added back, but maybe not? 

 

I cannot wait to see if this happens on EQ/EX also (as of right now those reports still show all 3 accounts on them). 

 

OOOHHHH AND it raised my (FAKO) TU from 655 to 739.....

 

Will pull TU Fico in the morning :-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
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Valued Contributor
starry1
Posts: 2,079
Registered: ‎11-29-2012
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Re: OMG!! 3 SL accounts deleted But weird....

That's a huge score increase, congrats!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 8/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
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Re: OMG!! 3 SL accounts deleted But weird....


starry1 wrote:
That's a huge score increase, congrats!


Well it is "only" a FAKO so I'm trying not to get tooooo excited. 

 

I want to pull TU Fico right now of course...but I'm wondering if ACS may re-insert the TL that is still open if that was an error...then I'd be pulling ANOTHER fico haha so maybe I should wait.

 

Maybe.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012
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Re: OMG!! 3 SL accounts deleted But weird....

I had 3 ACS negative accounts mysteriously disappear last week from TU also. It gave me a nice 20 point jump. I figured it was because I made my 9th payment on my rehab loan. They are still listed on my EX and EQ though. Keep  us posted!

Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: OMG!! 3 SL accounts deleted But weird....


Tay09 wrote:

I had 3 ACS negative accounts mysteriously disappear last week from TU also. It gave me a nice 20 point jump. I figured it was because I made my 9th payment on my rehab loan. They are still listed on my EX and EQ though. Keep  us posted!



Interesting!  I'm not in a rehab program with them, just in deferrment.   Maybe a glitch in their system?  Wonder if that means we'll see the tradelines reinserted soon?  

 

My fingers are still crossed that they delete on EX/EQ too though ;-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
New Contributor
Simplyjays
Posts: 61
Registered: ‎02-22-2013
0

Re: OMG!! 3 SL accounts deleted But weird....

congrats!!!! i have salle mae and im trying to figure out how to remove payments made late over 3 years ago! on 3 differenct Sallemae school loans =/

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: OMG!! 3 SL accounts deleted But weird....

TAY09:

 

Have you seen any of them deleted on EQ/EX yet? 

 

Mine deleted off TU on 2/16 and they are still on the others.

 

I think it's just a fluke?   But it's a big coincidence I had just talked with a rep from ACS within the few days before?   Not sure what to really think and definitely not calling to ask haha.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: OMG!! 3 SL accounts deleted But weird....

Bumping for Megan8110 (I think I got that right, dang memory haha)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Member
megan8110
Posts: 14
Registered: ‎06-26-2012
0

Re: OMG!! 3 SL accounts deleted But weird....

Thanks awdsmama!!!!  Definitely keep us updated and I will too.  I noticed yesterday on my creditkarma (which i haven't updated in FOREVER) that my student loan total went down in January by half (i have two  student loans, one with Sallie Mae and the other ACS) and the total amount that was left was the total for Sallie Mae. 

What I did when i contacted ACS was somewhere on their website where  you can contact them by department or something. It had several different departments or whatever, so I pretty much sent one to each department that was listed there. i said the exact same thing in each one.  I've been lax on my GW's to everyone, but this really gives me the booost i needed to get back in the GW game :smileyhappy:

myFICO EQ 10/03 607

FAKO's: TU 699 10/04
EX 661 09/14
EQ 621 09/14
Goal: 700+ across the board

Trying to figure out what to put in my pocket, nothing is there right now.
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: OMG!! 3 SL accounts deleted But weird....

Megan -- so you had been GW'ing the ACS accounts?   

 

So had I.

 

I wonder if they are telling us "no" but then doing the GW off the record so to speak?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013

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