I just recently started to understand, pay attention to and correct my credit reports. One thing that I was able to easily fix was students loans that showed late payments but had actually been retroactively put into deferment. Don't know if this might be similar to any of your student loan lates, but I had 6 separate student loans each showing late payments for three months in a row. When I sent in my dispute along with deferment documentation from Fed Loan Servicing, those negative notations were corrected and my scores increased over 20 points each. I did have another student loan, which also showed lates during a retroactive deferment, but that one was not corrected and I will try another approach to this one. That lender was ACS Education Services. Good luck! (FYI, I submitted my dispute and documentation to Experian online and to Transunion via USPS.)
