titanofold's Credit Rebuild Journal

[titanofold]

Well, I got what I consider to be an early Christmas present.

I sent a rather long letter to FedLoan Servicing/PHEAA regarding the 4 consecutive lates on the 3 student loans. I had forgotten how bad 2010 was for me; unemployed, only minimum wage seasonal jobs available, car went kaput, NCDOR levied me before they denied my installment application, and 2013 is the first year we both have jobs that pay a livable wage. A lot of repressed memories, and yet I was surprisingly optimistic. I don't know how I did it. Probably because I had my fiancée that I was more concerned about.

Anyway I detailed those out in my GW letter and sent it off to the executives and general correspondence at PHEAA and FedLoan. The letter was a page and a half including the header text. I know, shorter is better, but there was a lot that happened in 2010.

Got a voicemail today from someone at FedLoan Servicing acknowledging that they have received my letter and have my account under review. They haven't promised anything, but by the tone it sounds like they're going to see if there's anything they can do for me.

[titanofold]

And now Frontier Communications has come through for me.

[titanofold]

So, like I wrote a while back, a lady from FedLoan Servicing left a voicemail regarding my GW letter with her direct number. A co-worker of mine suggested that I call her back.

Should I, and what do I say? "I'm sorry it took so long to return your call. Do you have any questions for me that I might answer?"

[titanofold]

Woohoo! I got another letter from Frontier today that they've advise EX and EQ to delete the TL from my CRs!

[titanofold]

Well, I got a response back from FedLoan Servicing. They denied my GW. I think they were a bit pissed that I didn't answer the phone for a couple or 4 months.

They did say they would write a letter endorsing me as a debtor since I have been consistently good when I did start repayment. I don't know how far that endorsement will get me, though.

[titanofold]

Now I finally got a letter from the IRS informing me that the direct debit will begin this month.

Well, that doesn't work for me. However, if things pan out I may be able to pay off the remainder of my tax debt sometime in March. Then I can file to have the lien withdrawn.

[titanofold]

So, I filed for a Direct Debit Installment Agreement on September 27, 2013. On February 25, 2014 they made their first draft. Yeah, that was not fast.

We spoke with our intended loan officer and he said it'd be better if my fiancée paid off her CCs rather than me try to get the IRS paid and removed.

Now I'm free to do whatever, but I'm still going to have to wait until the lien comes of my report.

Also, Frontier Communications is no longer on my Equifax, but it's still on my Experian. I know I've spouted that it can take up to 60-days for removal, but is that 60 business days, or 60 calendar days?

[Anonymous]

I'd say its buisness days if I was guessing. Most companies don't count weekends or holidays either. But its coming off and that's always a good thing

[ThetoriParadox]

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@titanofold wrote:

Woohoo! I got another letter from Frontier today that they've advise EX and EQ to delete the TL from my CRs!

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AWESOME! I am trying to GW a paid CO... tried to dispute it they just updated it (was previously listed as unpaid) as paid GRR. Do you have a solid contact at Frontier? Care to share!??

[titanofold]

Alright, I filed form 12277 on the morning of April 25, 2014 -- the same day as the third direct debit payment -- and waited 3 weeks. I called the Central Lien Unit (1-800-913-6050) to get a status update...and they didn't receive anything.

It turns out that the instructions lied about where to send the filing: Not to the office that's handling your account, but to the office in your state that handles lien paperwork. So, I faxed -- yeah, faxed, they finally caught up to 1964 -- in my filing last Thursday and again on Friday because I forgot to include Form 668 (Y)(c) with my filing. (Whoops!)

I called the CLU again today, and it's due out on June 5.

Now, I'm crossing my fingers that it's approved.