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brodieaa

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  1. Now that I have received notice from Nelnet that my student loans have been discharged by Nelnet and Dept of Education due to my being a 100 percent Service Connected disabled veteran as rated by the VA, Im not sure how this will translate on my Credit Report. Im assuming the CR will show these tradelines as Paid. What I dont know is if my past delinquencies will remain or if the entire tradelines will be removed (if I ask). Or will delinquencies remain but drop off after 7 years like everything else? Anxious to hear any thoughts on this topic. Thanks!
  2. Hello everyone! I'm going to be doing some travel in South America this year and was considering opening an HSBC checking account here in the US. I would only do this because, I think I would be able to walk into an HSBC anywhere, have them pull up my account and deposit or withdraw funds without a charge. Am I wrong here? Apologies if this doesn't fit the mold for this forum, but any advice would be greatly appreciated. Thank you.
  3. So, I'm contemplating putting in a Consumer Statement. I was a victim of the OPM Data Breach a couple of years ago and would like to include that information as a nuanced excuse for baddies on my CR? Does anyone have experience in what are some of the best lines to use in a Consumer Statement that will make it effective to lenders or others who might pull a credit report say for employment, housing, reliability, etc.? What works? What doesn't? Has anyone used the OPM Data Breach as an excuse for anything and had resulting success? I thought that combining that with wrong address disputes and similar name disputes might do the trick. Thanks in advance!
  4. So, I'm studying up on how to attack a few charge offs (yes, I said a few) for removal. Please correct me if I'm wrong...If an account is Charged Off, doesn't that mean they sold it to a Collection Agency? Or, if they didn't, they no longer intend to collect on the debt? If the former, and we're outside of SOL, can it not be disputed as that OC not owning a debt with the person (DW)? If the latter, can't you just attack it any way you can? Any assistance, advice or guidance would be greatly appreciated!
  5. Hey forum friends. So, my wife sends me a text saying her aunt got a call from a creditor of mine asking her to have me contact them about a $XX debt that I am delinquent on and have not been returning their calls. I know there are letters to, 1) demand that they stop calling about the debt, and 2) write to CFPB or CRAs that my rights to privacy were violated...I just can't find them. Can anyone help? Thanks
  6. So, a good friend of mine was recently in a severe car accident that put him in ICU for over 3 months. He lost a leg and some mobility on the left side of his body. He ended up falling behind on credit card bills due to, well, being incapacitated. He and his wife asked me if I could help them get out of this jam as they just had a baby and are planning to buy a house soon. Just wondering if anyone has any experience or advice in getting creditors to remove lates due to something like this or, being able to put a statement on his CRs (which I know he CAN do) that will actually mean something. Any advice would be greatly appreciated.
  7. Just as an update...I noticed just about a week or so ago that all the negative Student Loan payment history had finally dropped off! Yea me!
  8. After about a week, I called the Sallie Mae Customer Advocate above to inquire about the negatives still showing on my CRs. She was very nice and accommodating and explained that Sallie Mae had pushed the update, but it might take the CRAs 2-3 weeks to update on the reports. She said that if I found myself seeking approval for a mortgage or other loan and it looks like the negatives still on there were affecting rates or approval, that she could do a three way phone conference or provide a letter stating that the negatives are not valid and are in the process of being removed. To me, this was a step above and beyond what I would have expected. In my opinion, this should be everyone's go-to office for Student Loan (SL) discrepancies. Its too bad their office isn't the one that CR disputes go to normally; I'm sure there would be a lot fewer frustrated people.
  9. On Friday, I received an email from the Sallie Mae Office of the Customer Advocate; the attachment included (on Sallie Mae letterhead) was as follows: January 31, 2014 Mr. XXXXXX Via email: XXXXX@webmail.com RE: Your Student Loan Account #xxxxxxxxxx Dear Mr. XXXXX: This letter is in response to your recent inquiry to the US Department of Education, Office of the Ombudsman, for consideration that the delinquencies reported to the credit bureaus while you were on active military duty be removed. I am here to help you in any way I can. I am pleased to confirm any derogatory marks reported to the credit bureaus between May 31, 2000 and March 1, 2012 have been removed from your credit report. Sallie Mae appreciates the sacrifices made by those who dedicate themselves to serving our country in the Armed Forces. We sincerely apologize for any inconveniences this may have caused you. You're welcome to call me directly and toll free at 866-432-7939, x89994, with any questions you may have. Sincerely, Heather L. Gariano Office of the Customer Advocate Sallie Mae
  10. UPDATE Got a call from my Federal Student Aid Ombudsman Group (OG) contact. He told me that after speaking with Sallie Mae and presenting them with my military discharge form (DD-214), they agreed that I was eligible for deferment at the time of all of the negative payment history reporting on my Credit Reports. Therefore, they have agreed to remove ALL negative reporting on all my student loans showing on my Credit Reports! Uhhh, can you say ECSTATIC??!! In true Credit Boards fashion, I humbly asked the OG to obtain documentation from Sallie Mae of their agreement to do this and forward it to me for my records. The OG seemed puzzled, saying that his experience has been that they stick to their word. I told him that my experience is that everyone can have 'selective' amnesia and have previously deleted items pop up on the Credit Report later in life. He laughed and agreed to get the documentation. He said Sallie Mae updates at the end of the month and they said to look for the change over the next couple of weeks. I'll update the board once the baddies or gone and/or when I have the documentation in hand! Sounds like the OG may be the new Student Loan holy grail!
  11. UPDATE Got a call from my Federal Student Aid Ombudsman Group (OG) contact. He told me that after speaking with Sallie Mae and presenting them with my military discharge form (DD-214), they agreed that I was eligible for deferment at the time of all of the negative payment history reporting on my Credit Reports. Therefore, they have agreed to remove ALL negative reporting on all my student loans showing on my Credit Reports! Uhhh, can you say ECSTATIC??!! In true Credit Boards fashion, I humbly asked the OG to obtain documentation from Sallie Mae of their agreement to do this and forward it to me for my records. The OG seemed puzzled, saying that his experience has been that they stick to their word. I told him that my experience is that everyone can have 'selective' amnesia and have previously deleted items pop up on the Credit Report later in life. He laughed and agreed to get the documentation. He said Sallie Mae updates at the end of the month and they said to look for the change over the next couple of weeks. I'll update the board once the baddies or gone and/or when I have the documentation in hand! Sounds like the OG may be the new Student Loan holy grail!
  12. Sounds great! I spoke to someone from the Ombudsman Group (OG) finally and we talked through my issues and agreed to send him copies of my CRs and military discharge form (DD-214). We discussed my expectations and desired outcomes and he pointed out that they (the OG) had no enforcement authority over Sallie Mae or the other SL servicers. He said they were merely an unbiased mediator that had the advantage of placement and access. I am, at my highest level of optimism, confident that this will be the best chance I have at a remedy to my problems. I will accept whatever comes out of this, which I think will be fair at the least and thorough at best. If I can get a letter from the OG stating that Sallie Mae or Direct Loans is unable to produce my 'negative' payment history, I would use that to do a final dispute to the CRAs to have it removed. The saga continues!
  13. 2 days ago, after reading about the Ombudsman Group on this forum, I decided to try for myself. I did the online e-mail form to the group and crossed my fingers. The VERY NEXT DAY, I received a phone call/voicemail from someone at the Ombudsman Group who gave me a number to call him back and suggested that he "thinks we will be able to fix some of [my] your problems." He told me I might need to fax in a current copy of my credit report and some other documents, but that we should talk first to figure out the best way to proceed to get everything resolved. Wow! I was delightfully surprised. Issues I pointed out in my email were duplicated Student Loan accounts on my credit report, incorrect payment history, etc...all the stuff we complain about on here everyday. I will keep you guys updated on the progress and plan to call today to see what the Ombudsman Group has to say. On a separate note, Sallie Mae responded to my CMRRR dispute sent to the Wilkes-Barre, PA address through my online Sallie Mae account. They sent me two documents: one said that they could not make any changes to my credit report because everything was reporting accurately; the other was a payment history that only showed each account being paid off (likely when they were sold off to the next organization/office). So, I'm wondering if I can use this latter letter in a dispute to the CRAs to get that crappy payment history fixed on my CR. Again, I'll keep the board posted.
  14. brodieaa

    USAA

    Fairfax

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