Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
SCF
Posts: 1,104
Registered: ‎06-09-2008
Re: Wells Fargo student loan charge off

If the loan is completely paid off, the only thing left to do is write goodwill letters to the creditor and collection agency asking them to remove the history.  Results are mixed with these letters depending on the company, but many people here have reported success.  If you search these forums with her, you should be able to find examples, and maybe even people who know good specific contacts at Wells Fargo and the CA.

 

Other than that, she'll have to wait 7 years for the negative information to fall off completely, but it's impact on her score will decrease over time.