During the past few months I was involved in a brutal divorce and I had to be abroad while dealing with it.
My mind just forgot about my Firstmark student loan. I paid before leaving the country and during my mind just wasn't on my affairs in the US.
If I had been here I would have received a call and I would have remembered to pay.
Unfortunately I paid after I came back to the US which was a few days after the 39 day grace period. I have never paid late in the past and my record with all creditors is perfect for the last 8 years.
I understand Nelnet does not remove lates as they are a federal loan servicer.
However these are private loans and I had some extenuating circumstances. I have otherwise a perfect record with them.
How do I go about trying to get these off my credit record?
I'm thinking goodwill letter first (would I need to attach proofs? I could if needed).
Then maybe Lexington law or some firm to remove them.
AmEx has already acted to reduce my credit limit by 80%! Literally the same day the lates hit the bureau.