How to Remove Ascendium From Your Credit Report

Is Ascendium hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Ascendium?

Ascendium Education Group, Inc., aka Ascendium Education Solutions, and formerly Great Lakes Loan Servicing, is a non-profit student loan guarantor on behalf of the U.S. Department of Education.

Ascendium is located in Madison, Wisconsin. You may see them listed on your credit report as a collections account. This can happen if you’ve defaulted on your student loans.

How can I remove Ascendium from my credit report?

Ascendium collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Ascendium Education Solutions Contact Information

Address:

Ascendium Education Solutions
2501 International Lane
Madison, WI 53704

Website: https://www.ascendiumeducation.org

Phone number: (800) 331-2314 or (800) 236-2700

Should I contact or pay Ascendium?

If your student loans are in default, the best thing to do is contact Ascendium to figure out your options. They have a section of their website that is specifically designed for student loan default help.

Will Ascendium sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the student loans and possibly get them removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Ascendium again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Ascendium to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Ascendium Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Ascendium, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Ascendium does too.

Your Rights When Dealing with Ascendium

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Ascendium may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Ascendium must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
  • Ascendium cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Ascendium From Your Credit Report Today!

Lexington Law specializes in disputing Ascendium accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.