I kept my student loans (8 of them!) unconsolidated for many years, and unfortunately paid quite late a few times on them. Two years ago I consolidated them and have paid them on time faithfully--two years and seven months since my last late pay. Naturally, those late payments from when my loans were unsolidated show up as 24 late pays.
Do student loan lenders normally consider (or are they able) to wipe out these entries off of a person's credit report if asked?
My EQ score is 671, I'd like to get to at least 700, but I don't see much of a chance of improving it significantly as the student loan is my only line of credit, along with a CC that I use just to buy gas. I pay them both faithfully, but I'm afraid those late pays are going to vastly outweigh my on-time payments for many years to come.
Any advice?
