02-08-2014 12:35 PM - edited 02-08-2014 12:37 PM
I'm not trying to dash anybody's hopes, but I want to give some facts. I keep seeing this thread bumped, and I'm telling you, ACS will not goodwill adjust any accurately reported late payments. It's not going to happen.
I got a PM from the person in this thread who said they had success with ACS, and they gave me email addresses for Xerox executives I had already contacted. I'm talking about the CEO and other executive board members here. You can look up their names online, and just make it in this format: "firstname.lastname@example.org"
Knock yourself out. They will all get referred to a paralegal. The same exact thing has happened to a lot of people who post on here.
If any lates are accurately reporting, ACS will not adjust them. If they currently show "claim filed with government" on a tradeline, and you can prove to them that you completed rehab on the loan, then ACS is willing to get rid of the "claim filed" comment and show it as transferred/sold with a zero balance paid in full ...at least they were for me. That was as far as they would go.
Here's the response I got after 2 weeks worth of emails, and sending in a bunch of documents proving I had completed rehab:
"I have confirmed we will be updating the credit reporting agencies to reflect transferred/sold with a $0 balance. We will remove delinquencies from the claim filed date forward. However, the delinquencies reported prior to the default will remain as an accurate reflection of your payment history.
As I had previously advised, as much as we would like to accommodate your request to adjust delinquencies prior to the default, I regret that in doing so would be unfair to the rest of our customers who must make payments when they are due, or contact our office to request a deferment or forbearance prior to being reported past due. One of ACS’s commitments is to give consistent treatment and service to everyone. While it may seem easy to retract derogatory payment histories, we cannot do it for everyone and still abide by our Regulatory and Contractual commitments."
02-11-2014 08:27 AM
02-12-2014 03:15 PM
I would really appreciate the Salle Mae information. I have been dealing with the Advocates office this past week and they are telling me they can't do anything. I have an old Sallie Mae loan that is still showing delinquent of 120 days, but it was closed and transferred years ago, but yet they won't update it to reflect that.
03-26-2014 10:03 AM
Can anyone send me contact information for ACS??? I am desprate at this point for anyone who will answer anything there, I cannot get repsonses from anyone.
04-09-2014 04:20 AM
@SNL....Would you please PM me the info as well.....The fax and the letter to create my own....Thanks a bunch!
04-09-2014 04:23 AM
@Isdiamond...... Would you please send me the info that you used to send to ACS...... Id really appreciate that as I have been dealing with them for a while....Thanks a bunch!!!!!!
04-14-2014 02:05 PM
@lsdiamond (or anyone that has the example of GW letter)--
Can you please also PM me GW letter? Thanks.
I'm also wondering if credit repair firms will work to take off 30, 60 &/or 90-day late baddies on 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.
* 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.
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.