Who is Usdoe/Glelsi?
Usdoe/Glelsi, which stands for U.S. Department of Education/Great Lakes Educational Loan Services, Inc., is a nonprofit student loan servicer and guarantor located in Madison, Wisconsin. They have relaunched as Ascendium Education Group.
You may see them listed on your credit report as a collections account. This can happen if you have defaulted on a federal student loan.
How can I remove Usdoe/Glelsi from my credit report?
Usdoe/Glelsi 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.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, student loans, and bankruptcies.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
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?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They can help you dispute the inaccurate collection account with the three major credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Usdoe/Glelsi again.
Is Usdoe/Glelsi hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
U.S. Department of Education/Great Lakes Educational Loan Services 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Usdoe/Glelsi
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Usdoe/Glelsi may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Usdoe/Glelsi must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Usdoe/Glelsi cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Usdoe/Glelsi From Your Credit Report Today!
Lexington Law can assist you in disputing Usdoe/Glelsi collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
