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Member
goodcreditgroupie
Posts: 7
Registered: ‎05-04-2009

Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

[ Edited ]

HI Ya'll,

This is my first time posting but I've been a lurker. :smileyhappy:  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! :smileyhappy:

Member
Wantagoodscore
Posts: 5
Registered: ‎05-20-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

Hi there, would you mind PM ing me the contact info you used thank you

 

7/2012 Current scores FIco TU 726/ FIco EQ 722

Goal 750 and up
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New Visitor
mercedescardona
Posts: 1
Registered: ‎10-07-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

[ Edited ]

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.

Member
goodcreditgroupie
Posts: 7
Registered: ‎05-04-2009

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

Hey guys!

 

Check your inbox!

 

Good luck!

New Contributor
cem13
Posts: 57
Registered: ‎07-20-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

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.

MyFICOm '08 JUN2014: Ex=700, TU-688
MyFICO JAN2014: EQ=704, TU=720, EX=708
MyFICO May2013: EQ=701, TU=708, EX=705 (Lender Pull).
MyFICO March13: EQ=680; TU=677
MyFICO 09JAN13: EQ & TU = 677) 2 years after filing BK7, 18 months after discharge in Jun2011
MyFICO (09SEP12: EQ 677; TU: 670) 16 months after discharge BK7.
Myfico (JUL12: EQ 671) 13 months after BK7.

Wallet: NFCU Rewards: $25K; Capital One QuickSilver: $2250; Barclays Rewards: $2k; Capital One Rewards: $1500.
Contributor
jmco
Posts: 92
Registered: ‎09-23-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

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!


Starting Score: 720
Current Score: 626
Goal Score: 700


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New Visitor
SAmanns
Posts: 1
Registered: ‎10-08-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

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.

 

Thank you!!

Member
goodcreditgroupie
Posts: 7
Registered: ‎05-04-2009

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

CHeck your inboxes!

 

If anyone else would like the contact info, please inbox me :smileywink:

 

Good Luck!

New Contributor
cem13
Posts: 57
Registered: ‎07-20-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

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.

 

 

 

MyFICOm '08 JUN2014: Ex=700, TU-688
MyFICO JAN2014: EQ=704, TU=720, EX=708
MyFICO May2013: EQ=701, TU=708, EX=705 (Lender Pull).
MyFICO March13: EQ=680; TU=677
MyFICO 09JAN13: EQ & TU = 677) 2 years after filing BK7, 18 months after discharge in Jun2011
MyFICO (09SEP12: EQ 677; TU: 670) 16 months after discharge BK7.
Myfico (JUL12: EQ 671) 13 months after BK7.

Wallet: NFCU Rewards: $25K; Capital One QuickSilver: $2250; Barclays Rewards: $2k; Capital One Rewards: $1500.
Contributor
Poorboi
Posts: 86
Registered: ‎06-02-2012

Re: Sallie Mae, Dept of Edu, and ECSI Late Removal SUCCESS!!!!

That sucks, I just made my second rehab payment 


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