I have some loans from Sallie Mae that I THOUGHT were in deferment but they were and I got SLAMMED with 120's a few years back. I havent been late on them in 3 years but the lates are KILLING me when I apply for credit. I recently purchased a $600k house and I have financed 3 vehicles and have never received a late but fort he life of me NOBODY will give me a credit card to establish some revolving credit. I am considering writing a GW letter to Sallie Mae. Does anyone think that will help remove the items?
