My wife has two education loans which are listed 90+ late which last occurred in 12/13 paid on time ever since...does it have less of an effect on credit after a year of being paid on yime?
Time is definitely your friend. But the lates are wrecking havoc on your wife's score. I would goodwill the heck out of the loan company to see if they will remove. All they can say is no and persistence is the key.
