Has anyone ever nutcased sallie mae

Intent to sue letters have been the only thing that has worked for me vs Sallie Mae.

I drew up a very lengthy complaint and sent it along with the filled out court docs. They peed their pants and sent me the UDFs a few days after.

(although, on a side note, a few of the things they were going to delete have not been deleted from TU. Guess what I just sent them again this week?....)

 

Tracy, Iâ??m in the same boat with wanting to apply in two months. I sent USA GROUP (guarantor) a nutcase about two months ago, and received a letter back from Sallie Mae who I guess owns the loans now (or reporting of the loans-all are paid). My nutcase was specific to two separate loans, and they responded with an accounting of four loans that were transferred to them. 3 of them were removed due to age from all three credit reports almost immediately, although 2 of the 3 were just over 5 years or so old. The last one was only 3 years old and the one I specifically asked to have validated or removed immediately. They response was hardly validation. In fact they sent two letters a day apart, with the first one having wrong information on it, and the second with correct info.

The long and short of it is I could have gone down that lengthy road of failure to provide correct validation, but I was concurrently disputing the accounts with the CRAs and have achieved better success with them (2 down, 1 to go) So maybe if you bombard Sallie Mae with nutcase at the same time??? If that doesnâ??t work, chances are they wonâ??t properly validate, and you can catch them on that but it may take more time than you like. Just my experience. Good luck.

 

Mine were all problems with the status of older closed/transfered SLs (i.e., one from 1997 was reporting as currently 90 days past due when it had been sold years before). I also had a few "ghost" trade-lines, these were listed with no balance, no anything, except for a status of (you guessed it) 90 days past due! Nothing else worked to get them fixed (i.e, disputes to the CRAs, phone calls to SM, letters, etc.).

If the only problem he has is a few recent late payments, I'm not sure what you should do, outside of GoodWill type tactics. If it is absolutely necessary for you to remove these, I'd send a notice of dispute to Sallie Mae, telling them you dispute the accuracy of their reporting. Then, wait and see if they mark it in dispute with the CRAs (they never marked anything in dispute for me, but this is required as per the amended FCRA). After they screw-up and don't mark it in dispute, you could try and leverage their violations against them to get the lates removed via an intent to sue.

Are these really hurting your chances of getting a mortgage? From what I can see, you seem to have good scores...

edited to add: I don't think you'll be able to get Sallie Mae to "validate" the debt, as they are not a CA. Even if they had to validate, they do keep very accurate records, they had every little thing documented from an SL of mine that was taken out in 1996, right down to the original application and everything in between. Keep that in mind...