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Navient Late Payments..another one

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Established Member

Navient Late Payments..another one

I know this is posted a lot but I haven't found a scenario like mine in 100,000 posts I can't read all of. 😅 Anyway. I have one late reporting February 2018. Because my one payment goes to 6 accounts, it reports across 6 accounts. It brings my on time payment history to 98%. By my math it won't go past 98% until I have like 700 payments posting and right now I only have 304. So it would take years. I have been on time ever since, and it's my only late reporting ever. I'm afraid to dispute because it is showing 90-120 days late and I'm scared they will simply add my 30, 60, and 90 day lates 😬. They are not rehabbed or anything else. 

Goal: Homeowner Spring '22
Start - 11/18 | Average Score: 418
BKF - 11/18 | BKDC - 2/19
Current cards:
Discover IT - $1,800 | Fingerhut - $1,700 | Ollo - $400 | Walmart - $600 | Kohls - $700 | PayPal - $2,500 | Capital One Platinum - $1,000
Installments:
BFCU - auto loan | Self [lender] | 6 student loans
Current average score: 685
Message 1 of 7
6 REPLIES 6
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Frequent Contributor

Re: Navient Late Payments..another one

So, no lates since Feb 2018?

Message 2 of 7
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Community Leader
Valued Contributor

Re: Navient Late Payments..another one

Are they federal student loans? 

 

It actually won't really matter that the loans are on 6 accounts (they typically skip the 30 & 60). They will have all have to age off before you get any benefit on your accounts. It could be that if you dispute that the others get added but I don't think it would affect your score. 

It might be a hitch in your score but it shouldn't keep you from 700+ by itself. You might just have to wait for EE or for them to fall off.




Message 3 of 7
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Established Member

Re: Navient Late Payments..another one

Yes

Goal: Homeowner Spring '22
Start - 11/18 | Average Score: 418
BKF - 11/18 | BKDC - 2/19
Current cards:
Discover IT - $1,800 | Fingerhut - $1,700 | Ollo - $400 | Walmart - $600 | Kohls - $700 | PayPal - $2,500 | Capital One Platinum - $1,000
Installments:
BFCU - auto loan | Self [lender] | 6 student loans
Current average score: 685
Message 4 of 7
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Community Leader
Valued Contributor

Re: Navient Late Payments..another one

Yes, what?




Message 5 of 7
Highlighted
Established Member

Re: Navient Late Payments..another one

Questions was: So no lates since February 2018? 

My answer is Yes. That's the only late I have. 

Goal: Homeowner Spring '22
Start - 11/18 | Average Score: 418
BKF - 11/18 | BKDC - 2/19
Current cards:
Discover IT - $1,800 | Fingerhut - $1,700 | Ollo - $400 | Walmart - $600 | Kohls - $700 | PayPal - $2,500 | Capital One Platinum - $1,000
Installments:
BFCU - auto loan | Self [lender] | 6 student loans
Current average score: 685
Message 6 of 7
Highlighted
Frequent Contributor

Re: Navient Late Payments..another one

Oh wow its been a couple months. The fact that you've been clean for over 24 months you should have nothing to worry about.

Message 7 of 7
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