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How do I remove a late student loan payment from my credit report?
Hi experts.
Unfortunately I just found out that I had a very small obscure student loan that went into repayment last month and I missed the bill. I switched addresses and somehow forgot to have them forward that loan to my new address 
So I checked my credit report and it’s there reported as an adverse account and it says TransUnion says it will not be taken off until 06/2014.
However it seems like I’ve heard of other people getting these things removed from their report after they pay the amount overdue. Is this something I’m just imagining or can I really pay the amount due and then have the error removed from my credit report?
Thanks so much for your help
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This entry was posted on September 23, 2009, 8:02 pm and is filed under Student Loans. You can follow any responses to this entry through RSS 2.0. You can leave a response, or trackback from your own site.
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October 24, 2009 - 7:46 pm
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September 24, 2009 - 10:39 am
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.
September 24, 2009 - 12:04 pm
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
September 25, 2009 - 5:59 am
As long as the information is correct and you were late, there is no way of removing this information.
September 26, 2009 - 7:26 pm
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 .
>
September 29, 2009 - 1:15 pm
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.
October 1, 2009 - 8:19 am
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.
October 3, 2009 - 8:55 pm
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.