Navient

[Anonymous]

Has anybody had success with Navient removing late student loan payments reported to the credit bureaus because of a Goodwill letter? 

I have consolidated my student loans so now I have 1 student loan and 9 closed student loans that are reporting as closed but still reporting as derogatory due to missed payments. 

I cannot increase my score regardless of what I do because of those derogatory lates still reporting even though those student loan accounts are closed. I thought writing a Goodwill letter to Navient would help me get them removed? 

[Anonymous]

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@Anonymous wrote:

Has anybody had success with Navient removing late student loan payments reported to the credit bureaus because of a Goodwill letter? 

I have consolidated my student loans so now I have 1 student loan and 9 closed student loans that are reporting as closed but still reporting as derogatory due to missed payments. 

I cannot increase my score regardless of what I do because of those derogatory lates still reporting even though those student loan accounts are closed. I thought writing a Goodwill letter to Navient would help me get them removed? 

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Since you are still technically paying on those loans (even though they are now consolidated), I believe the higher education act forbids the removal of lates (accurate reporting). I know some get lucky after they are paid off with GW requests, but the servicers will not likely do it while you are still paying on them.

[calyx]

@Anonymous is correct.

There are a couple of servicers who have been known to do goodwill removals (rarely, but it's happened), though technically in violation of the HEA.   Navient is not one of them.

[babygirl1256]

Wow, that's a bummer!

[sufyawn]

Now that Navient is quitting. I wonder if there will be any change with removing late payments?

[Anonymous]

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@sufyawn wrote:

Now that Navient is quitting. I wonder if there will be any change with removing late payments?

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I haven't attempted any goodwill late removals with Navient, but your post has me thinking about consolidation since I also have 9 closed student loans with Navient reporting. And late payments attached to each of those 9 accounts:/

[calyx]

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@Anonymous wrote:

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@sufyawn wrote:

Now that Navient is quitting. I wonder if there will be any change with removing late payments?

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I haven't attempted any goodwill late removals with Navient, but your post has me thinking about consolidation since I also have 9 closed student loans with Navient reporting. And late payments attached to each of those 9 accounts:/

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Are these accounts closed due to default?   
Consolidation won't make the lates (or accounts) go away, though at least if you are late, there won't be as many lates reporting.