Hello! This is the first time posting to the site, but I am very happy for the great information posted here!
For a little background information: I had several accounts, mostly student loans, that I had let slip into default several years ago. About 4 years ago I brought most of those accounts out of delinquency and into good standing. Although I have paid on all my accounts without missing any payments for more than 2 years, some of the accounts are still listed as derogatory because of the past missed payments. I had sent the "goodwill" letter (from a sample that I found here) to ask for the creditors to "forgive" the past derogatory information. I was surprised that a couple creditors agreed to reverse the negative information, but there are a couple that refused to reverse the information.
Now comes my question: Is this the end of the line and I have to live with this derogatory info forever (or until SoL runs out and it falls off my report)? Or, should I re-send the letters and hope for a different response? Or, is there another avenue to have this info expunged?
Thanks in advance for your help!