Regular Contributor
AutumnC74
Posts: 132
Registered: ‎03-28-2012
Sallie Mae SUCCESS!!!!!!!!!!!!!!!

I contacted Sallie Mae's Office of the Consumer Advocate about 45 days ago and as of today's phone call they told me the 90 day late will be removed when reporting occurs at the end of the month! That's a "KEY DEROGATORY" on my account and showing with all three bureaus within the last year so I'm hoping to see a decent improvement in scores across the board. Just want to say thanks to everyone who has put the information out there and want to say that the people at the Advocate's office are very good at what they do!

 

Any idea on what this may do to my scores?!?!?


Starting Score: March 29, 2012 EX: 592, EQ: 549; TU: 557 - LENDER PULL
Current Score: June 2 2012 TU08 (walmart) 689, EX: ?, EQ: 649 (SW) TU: 679 (SW)
Goal Score: 720


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Established Contributor
2NE1
Posts: 1,002
Registered: ‎12-06-2011
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!
A 90 day late seems to be a heavy derog and since it happened last year I'm guessing you'll get a bit of a boost, was this your only baddie? BTW congrats!!!

:smileyvery-happy:

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Regular Contributor
iamdetermined
Posts: 130
Registered: ‎05-05-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!

CONGRATS!! :smileyhappy: PLEASEEE tell me how you were able to get this taken care of! I have 2 Sallie Mae accounts reporting 3 late payments each...I called them & they didn't assist. I emailed them @ the customer advocate address as well...they have not responded yet. From what I've read, you should have a nice improvement in your score..keep us posted!

 

Can you PM me please...thanks in advance!

 

 

PERSISTENCE & PATIENCE ARE THE KEY!!
Regular Contributor
Steelersfan904
Posts: 150
Registered: ‎05-04-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!

dang! good job. I tried the same thing and a lady called me and told me since my loans were a federal loan they cant change the lates



Starting Score: 502 5/4/2012
Current Score: 640 08/03/2012
Goal Score: 700


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Valued Member
rredstick9
Posts: 93
Registered: ‎06-07-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!

Hi, what is their contact number?  I need to do the same thing.  Thanks

New Visitor
rickyonn39
Posts: 1
Registered: ‎06-09-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!

Please tell me how the heck you got your scores go up 100 points in 4 months??????

Established Contributor
2NE1
Posts: 1,002
Registered: ‎12-06-2011
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!
That's easy... simply by removing every major derog you have on your reports.

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Valued Member
rredstick9
Posts: 93
Registered: ‎06-07-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!

What did you say or how did you word it to get this taken off?  

Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!
I talked to a sallie mae advocate,too, and she says because everything IS correctly reporting they can't get rid of it. There must have been something OP's advocate had to go on to remove it.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Regular Contributor
How2increase
Posts: 200
Registered: ‎03-02-2012
Re: Sallie Mae SUCCESS!!!!!!!!!!!!!!!
Congrats!!!!! That's GREAT news! I also was able to get sallie Mae to delete a 90 day late and a 120 day late from dec and jan! My lowest score at the time was 556, it's now 600! I haven't checked my other scores which I hope will be at least 620 :smileyhappy:
Jan 2012 TU 517 EX(fako) 524 EQ 470
Current score LENDER PULL TU 652 EX 641 EQ 617
Yayy we made it!!!