I have most of my student loans through the services nelnet. Although I pay one monthly payment, the loans are listed individually on my credit report. At the beginning of last year I missed a few payments and but I paid what I could. Prior to the beginning of last year there were no lates and I had a perfect payment history for 3yrs. I had some medical things pop up and I prioritized that over trying to pay for loans. I want to try and dispute them (maybe a GW letter) but I’m also interested to know if I consolidated the loans would it remove some of the late marks off my report. Literally my only late payments are from these loans!!! I’m curious because they are listed separately so instead of having a totall of 5 missed payments I have 20!! Any insight would help. The only things on my credit are SL, car, and my CC.
I have the same issue - multiple lates because 1 payment = many loans.
Consolidation does not remove the lates.
Do *not* dispute them as they are correct, just send goodwill letters. Nelnet will just confirm that the lates are correct if you dispute.