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Benjamindefi

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How do i get old bad accounts off my credit
I have student loans that im currently paying on...
but 3 years ago i had a lot of missed payments and that one account is really hurting my credit. Is there anyway to remove those missed payments from the credit history

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Don't worry about those missed payments, they are no longer counting against your credit score.  Late payments only hurt your score if they are within the last 2 years.

If your student loans are federal, please look into consolidating them and possibly moving them into a different repayment plan to save you money.  Visit https://studentloans.gov and sign in.  Click on Direct Consolidation Loan Application and you can see what types of plans you qualify for.  You may be able to lower your monthly payments.  Best of luck!

Top Contributor
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Sorry, they are part of your credit history and only the passage of time (especially after they are paid off) will remove them.  A history of regular payments will work in your favor.  Been through that myself.

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