Comments on: How do I remove a late student loan payment from my credit report?

By: nonldsinutah

nonldsinutah — Thu, 11 Dec 2008 21:44:20 +0000

Send them a CMRR letter and make an offer to pay the account balance in full if they immediately report you “current, never late”.
As soon as you get that letter from them, send the payment.

If they don’t update your TL you might have a cause of action against them for breach of contract.

Debtorboards.com should be able to help you. Go there.

By: smiley20903

smiley20903 — Mon, 08 Dec 2008 13:28:37 +0000

They only way you can have adverse credit removed from your credit is to get the creditor to report to the credit agencies that the account has been paid in full or have them put it as satified. I would also have the creditor send you a letter stating that the account has been paid in full and send proof to the credit agencies as well alone with a letter explaing what happened.

By: Super Jay

Super Jay — Sat, 06 Dec 2008 04:38:25 +0000

Once an update is made on a trade it will stay on there for up to 7 years. If you only missed 1 payment then it will probably show up as 30 days del. Which truthfully is nothing. If you have really good credit, that shouldn’t even faze it. You can always dispute it with the creditor and with the credit reporting agencies. If that doesn’t work (because legitimately, its not a valid dispute), you are allowed 45 words on your credit report and you are welcome to state your claims. It does not change your credit score and most systems set up to determine credit will ignore it, but like I said, 1 30-day del mark on your credit will not even effect your score enough to change a potential interest rate on a mortgage/loan so I wouldn’t sweat it too much.

By: kate

kate — Sat, 06 Dec 2008 03:29:56 +0000

People have heard a lot of things ,
Elvis is alive , the moon landing was shot in Nevada ,
But , even though you can dispute it ,
They only Remove False info .
If it was Not your loan , it may be gone .
Otherwise , data is on for 7 years from the date of the last activity .

By: SPIFIMAN1

SPIFIMAN1 — Wed, 03 Dec 2008 23:07:21 +0000

As long as the information is correct and you were late, there is no way of removing this information.

By: Ilovekaraoke

Ilovekaraoke — Mon, 01 Dec 2008 21:22:47 +0000

call TransUnion and dispute it. it could happen, but then again, it might not.. **** to say this, but, late is late.

the worst they can say is no… find out and see what happens

By: KAITLIN M

KAITLIN M — Sat, 29 Nov 2008 05:55:17 +0000

You can ask to have it removed but they dont always do it. They can tell you to jump in a lake and it becomes your loss.

Good luck.