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.
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.
Questions was: So no lates since February 2018?
My answer is Yes. That's the only late I have.
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.