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When scores are calculated, do they taken into account that almost all my lates are reported from my student loans? It's been 2 1/2 yrs since I had a missed payment but have four loans and was delinquent for 1.5 yrs. Or do they just see that I only paid 85% on time, period and my credit score is dinged accordingly? Thanks!!
Doesn't matter where the lates come from, if they're legitamately on your report, you're screwed either way. Depending on the severity/length of the late, it will affect your score less over time or stay hurt you the entire time it's on your credit report.