Credit Report question...

[toekramp]

I took out several student loans with Sallie Mae as I was doing my Undergrad. I started repaying my loans in 2003. Apparently in 2006 I missed a month and made up the payments the following month....

Now I know it's my fault for not paying, as well as not ever checking my credit report. Besides the point.

I just looked at my report and I have 7 negative accounts because of that one missed payment 3 years ago. They pinged each individual loan that I have, since I was never able to consolidate. Is there anything I can do to 'consolidate' my negative accounts?

 

[DesiPower]

its too late now... sorry... generally most lenders will look at last 5 years, so you will be ok in 2 years. On the other hand ur report will have it on record for ever (or 10 years, not sure)