Student-loan reporting errors vs accurate lates

Student loans can show accurate late payments. Accurate, current, correctly reported information can stay on a credit report. That is not a dispute you win by sending more letters.

A reporting error is different — a payment that posted on time but shows late, a wrong balance, a duplicate, a loan that is not yours. Those can be disputed under the FCRA. The Credit Attack Kit is the checklist for lining up the documents and sending a complete dispute yourself. The kit does not delete accurate lates.