How Can I Remove Student Loans from My Credit Report?

How Can I Remove Student Loans from My Credit Report? article image.

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 are going to stay on your credit report for seven years from the original delinquency date of the debt.

Student loans are a type of installment loan, like an auto loan or a mortgage. Missing a student loan payment is no different than missing a payment on any other type of 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.

Moving forward, you can help your credit recover by catching up on any past due accounts and continuing to make on-time payments on all your accounts.

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Scoped on: 11/15/2018

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