Nelnet refi/payoff. Send Goodwill to remove lates??

[Shaman0429]

I needed to refi my nelnet student loan because rates are crazy low right now. I had a 90 day late payment two+ years ago and its a major drag on my scores. Since this payoff is fresh is it worth sending a goodwill to get those lates removed? Or perhaps just rolling the bones with a dispute?

Thanks in advance for the collected wisdom of this group.

[Anonymous]

That's great that you were about to get a better rate! Congrats!
A 90 day late will not decrease in effect for the full 7 years, unfortunately. I had one just fall off some recently and got a 48+ point boost. Good news is the original tradeline is closed so there's a better chance. The Higher Education Act prevents the servicers from changing accurate lates... That doesn't mean it's not worth it anyway. It's worth a try! Search the saturation technique on here.
If you try the saturation technique or dispute method, make sure the 90 day is the true max late and that you don't have a 120 that could pop up if they refreshed the account. If you're unsuccessful either way, as a last resort 5 1/2 years down the line you could start attempting a dispute to ask for an early exclusion.
Sorry I couldn't be more helpful but if it's any consolation if you continue to improve the rest of your credit report, there should be nothing stopping you from getting scores closer to the mid-700's.

[calyx]

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@Anonymous wrote:
That's great that you were about to get a better rate! Congrats!
A 90 day late will not decrease in effect for the full 7 years, unfortunately. I had one just fall off some recently and got a 48+ point boost. Good news is the original tradeline is closed so there's a better chance. The Higher Education Act prevents the servicers from changing accurate lates... That doesn't mean it's not worth it anyway. It's worth a try! Search the saturation technique on here.
If you try the saturation technique or dispute method, make sure the 90 day is the true max late and that you don't have a 120 that could pop up if they refreshed the account. If you're unsuccessful either way, as a last resort 5 1/2 years down the line you could start attempting a dispute to ask for an early exclusion.
Sorry I couldn't be more helpful but if it's any consolation if you continue to improve the rest of your credit report, there should be nothing stopping you from getting scores closer to the mid-700's.

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^ Everything @Anonymous said.
I would go with the goodwill technique if you're sure that it won't backfire (that there's a hidden 120 late or something).

[Mookey67]

What would be the basis for a dispute? Is it accurate? Disputes are basically for inaccurate information. You may want to try the goodwill route.