I have 3 90-day lates reporting from 2014 Granite State, who services my student loans. I only owe $3,000. now (the balance was over $20k in the beginning). It's been 3 years since the late payments and I have paid on time and more than the minimum every month. Since the balance is low and I can afford to pay this loan off in full, I wonder if they'd remove the late payments if I offer the full payoff?
I'm trying to get a better mortgage rate and these are the ONLY baddies on my report. Kills me - especially since it will be another 4+ years before they fall off.
To answer my own question, in case anyone else is wondering - nope.
I was in the same boat as you. My student loans are all fully paid off, but the lates were there and wouldn't budge when I tried repeatedly to goodwill them.
It was the only negaitve thing on my report when getting a mortgage. I had substantially more lates than you did. Four total tradelines and all had at least 5-6 lates up to 120 days+.
I literally can't wait until 2018 when these **bleep** lates finally fall off.