9 Accounts with Missed Payments, Next Step?

[Anonymous]

I have 9 different SL accounts with various lates ranging from 30-120 days, is there anything that I can do to either a)have them removed or b)have the entire tradeline removed? 

More info:

All of the accounts have been consolidated and moved to Fed Loans. Account status is closed/transferred. 

All show a zero balance.

Four Navient accounts with 7 missed payments between 2011-2013.

Five Dep of Ed accounts with 6 missed payments between 2012-2013.

[SCF]

Are the lates correct?  Did you actually miss the payments?  If they are correct, you can send goodwill letters to the agency reporting the lates asking them to adjust the reporting.  Late information can remain on your report for 7-7.5 years, so if the goodwill doesn't work, they would not be removed until then.

If the lates are incorrect, you should get together any information you can find about why the lates are incorrect (such as letters showing the loan was deferred/in forbearance, or statements showing that the payment was made on-time), and submit that to the lender and ask for them to correct the reporting.  If they refuse, you can dispute with the CRA and give them the same evidence.

[Anonymous]

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@SCF wrote:

Are the lates correct?  Did you actually miss the payments?  If they are correct, you can send goodwill letters to the agency reporting the lates asking them to adjust the reporting.  Late information can remain on your report for 7-7.5 years, so if the goodwill doesn't work, they would not be removed until then.

If the lates are incorrect, you should get together any information you can find about why the lates are incorrect (such as letters showing the loan was deferred/in forbearance, or statements showing that the payment was made on-time), and submit that to the lender and ask for them to correct the reporting.  If they refuse, you can dispute with the CRA and give them the same evidence.

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They are, goodwill letters it tis...

Thanks!