10-05-2012 03:40 PM - edited 10-05-2012 03:53 PM
This is my first time posting but I've been a lurker. Here's my story:
I had 2 Sallie Mae accounts report 90 & 120 days past due (May and June 2012). 3 Direct Loan (Dept of Edu) accounts report 90 days past due (June 2012). And 1 ECSI account reporting 30 days past due (August 2012).
As of yesterday ALL of the lates are removed and ALL of my accounts are current!!!
I have to tell you that this was not an easy task. I started writing letters and faxing them on 08/08/2012. After being denied several times from each agency (and a crap ton of research), I finally got to the right people who could help.
I contacted the office of consumer advocates at Sallie Mae and the Ombudsman at Dept of Edu. I only contacted the consumer advocate and ombudsman once I exhausted all resources with the customer service departments. I wanted the consumer advocate and ombudsman to see that I was diligently trying to make amends with my delinquent account status. I told the truth on why my accounts were past due and it only took a month and a half to get everything taken care of and updated. I'm ecstatic! I can finally move forward with building my first home!
Don't give up and NEVER take NO for an answer...EVERYTHING is negotiable!
10-05-2012 10:33 PM
Hi there, would you mind PM ing me the contact info you used thank you
10-07-2012 09:16 PM - last edited on 10-08-2012 10:55 AM by llecs
Can you PM me who you contacted. I contacted the Dept of Ed and Sallie Mae regarding showing being late on my credit report when my loans were being deferred. They said they couldn't change it and that I had to dispute it, yet that didn't help much. It would definitely help me knowing who else I can go to or what to do to clear out this mess, this is what is keeping my credit score low.
Edited to remove some HTML jibberish.
10-08-2012 01:01 PM
Ditto for me. Can you give me the Direct Loan Advocate please?
I have rehabbed my student loans after 9 months. I made my first payment to DOE this month. However, the loan has still not been transferred back to DOE and they are still reporting as negative. I need to elevate this.
10-08-2012 04:27 PM
Any chance you can get me the salliemae info, would really appreciate it! I have a few lates on sallieMae and have had no luck with them....congrats to you!
10-08-2012 06:14 PM
Can someone PLEASE send me the contact information? Sallie Mae is showing that I was suddenly 150+ days late in March, and then 60 days in April. (Makes no sense!) I have proof that I was making payments during that time and they continue to refuse my credit disputing. I am trying to buy a home my family really wants and needs, and this is standing in our way.
10-09-2012 07:10 PM
Called the Ombudsman today. They could not help me.
9th Payment Aug 10th
10th (1st payment to DOE) Oct 3
No change to T/Ls or account.
Called Direct Loans. I informed her that the DOE website says it can take UP TO 60 days to get loan back in house. CS person DID NOT confirm this. I told her that the website says this. She still did not acknowledge timeframe. I am to continue to make payments monthly until loan is taken over. It is possible that it will NEVER happen.
T/L cannot be cleaned up until loan is taken over. I offered to get private funding and pay it off. CS said T/L will say "paid in collections", not "paid as agreed , paid in full".
So the Ombudsman agreed with all of this. The only way the T/L gets cleaned up is when the loan gets taken over. So the only real solution is to stay the course and continue to pay them monthly. This makes no sense I know.. I then told them the system is broke and Obama needs to go. She didnt even crack a smile at that one.
Since it is the DOE there is no Judicial recourse either. So I could end up paying off the loan in 3 years and my T/L will say paid in collections. The DOE sux.