Who is Usdoe/Glelsi?
Usdoe/Glelsi represents a relationship between the U.S. Department of Education (Usdoe) and Great Lakes Educational Loan Services, Inc. (Glelsi). Glelsi, located in Madison, Wisconsin, is a nonprofit entity dedicated to the administration and repayment management of student loans. Their primary role is to serve as an intermediary between borrowers and lenders, offering support in managing and repaying student loans.
In recent times, Glelsi has undergone rebranding and now operates under the name Ascendium Education Group.
If Usdoe/Glelsi or Ascendium Education Group appears on your credit report as a collections account, it likely means you have defaulted on a federal student loan they are managing. Default occurs when loan repayments are missed over a certain period, prompting the loan to enter a state of default.
How can I remove Usdoe/Glelsi from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Great Lakes Educational Loan Services, Inc. Contact Information
Address:
2401 International Ln
Madison, WI 53704
Phone number: (800) 236-4300
U.S. Department of Education Contact Information
Address:
Lyndon Baines Johnson (LBJ)
Department of Education Building
400 Maryland Ave, SW
Washington, DC 20202
Website: https://www.ed.gov/
Phone number: (800) 621-3115 or (800) 4FED-AID
Should I contact or pay Great Lakes?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Usdoe/Glelsi is to work with a credit repair professional. They help remove millions of negative items every year from companies like Usdoe/Glelsi on behalf of their clients.
Will Great Lakes sue me or garnish my wages?
Great Lakes Educational Loan Services, now known as Ascendium Education Group, is a student loan servicer managing federal student loans. It’s important to know that student loan servicers themselves do not sue borrowers or garnish wages. These actions are typically taken by lenders, or in the case of federal student loans, the U.S. Department of Education.
If a borrower defaults on a federal student loan, the U.S. Department of Education has the authority to take several actions, which may include wage garnishment. However, this usually occurs after multiple attempts to contact the borrower and arrange a payment plan.
U.S. Department of Education/Great Lakes Educational Loan Services Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Usdoe/Glelsi
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Usdoe/Glelsi to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Usdoe/Glelsi cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Usdoe/Glelsi must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Usdoe/Glelsi cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Usdoe/Glelsi From Your Credit Report Today!
Credit Saint offers assistance with disputing Usdoe/Glelsi collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
