Usdoe/Glelsi

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?

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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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?

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

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!

Credit Saint can assist you in disputing Usdoe/Glelsi collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.