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Hey friends. I need some help. I consolidated my student loans and that loan posted today. The previous loans listed on my credit file now show closed, but still show the late payments i have. All the loans are with Navient and there were quite a few late payments so I don't think a good will letter will work. Any advice on how to get these deleted?

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Posted (edited)

Are these federal loans? 


Unfortunately, getting these late payments removed is a rare event unless you did a rehab program. In that case, once it's completed the late payments can, and usually are, deleted.


Edited by morehelp

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