Late Payments

If you see EDFINANCIAL, ED FINANCIAL/ESA, or EDFINANCIAL SERVICES L on your credit report, it’s most likely a federal student … Read more

If you see NAVIENT or NAVIENT SOLUTIONS on your credit report, the account is a student loan that Navient owns … Read more

If you see MOHELA, MOHELA/DOFED, or MISSOURI HIGHER EDUC on your credit report, it’s a federal student loan owned by … Read more

If you see DEPTEDNELNET, DEPT OF EDUCATION/NELN, or just DEPT OF ED with a Lincoln, Nebraska, address on your credit … Read more

If you see DPT ED/AIDV, DEPT OF ED/AIDVANTAG, or DEPT OF ED/AIDVANTAGE on your credit report, it’s a federal student … Read more

If your federal student loan went from “current” straight to “90 days late” on your credit report, with no 30- … Read more

Most advice about late payments stops at “send a dispute letter.” This guide goes further: how late payments are actually … Read more

To dispute a late payment on your credit report, identify the exact month and problem, send a dispute to the … Read more

You can remove a late payment from your credit report when the reporting is inaccurate, incomplete, or can’t be verified. … Read more

A late payment can cause a meaningful drop in your credit score, but there is no fixed number of points … Read more