How Can I Remove Student Loans from My Credit Report?

How Can I Remove Student Loans from My Credit Report?

If the account information is accurate, you probably can’t remove student loans from your credit report. Student loans that you have defaulted on or are delinquent on will stay on your credit report for seven years from the original delinquency date of the debt.

Student loans are an installment loan, like an auto loan or a mortgage. Missing a student loan payment does not differ from missing a payment on any other installment loan. These late payments will remain on your credit report seven years from the date the account first became delinquent and was not brought current.

The good news is that the further in the past the late payments occurred, the less of a negative effect they will have on your credit.

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