120 Day late...

[abarcla1]

I've sent a GW to my student loan company to remove some lates.  I haven't really had any success with them, but it hasn't been going on for very long either.  I have a 120 day late in 03/2007.  The real problem is this loan is divided into 6 smaller loans and they each report this way.

First of all, any suggestions on getting rid of it other than time?  Secondly, how much is it hurting me at 6 years old?

[guiness56]

A 120+ day late is a major derogatory and will impact your score for nearly 7 years.  It is looked at along the same lines as a CO or collections.

Were you late on each of the 6 loans?

[abarcla1]

Sort of.  The loan was a single lump sum broken into smaller loans but I made one payment.  That's why this is such a pain.

Current TU score is 637, my FICO.

These should be aging off by next year at this time...I just hate seeing them there.  LOL

[sup3rpat]

If the account is paid, closed you should ask for a goodwill delete.