About 6 years ago, I became 'late' on some payments to the then Sallie Mae. I am current now (have been ever since) although because it was three loans from the same company, there are three bad marks against me. I believe that I was still in school back then and in fact a separate loan agency changed their report that I was late when I sent them my transcripts. I did the same with Sallie Mae and they still refused to change it... I have no idea what to do because I legitimately wasn't late (I was in school still). I filed a credit dispute and honestly keep doing so ever time I check my report just to try my luck. It's stupid that any company can have such clout with the credit agencies -whatever happened to the customer is always right?
I've thought about contacting Navient again and asking if I pay off the loans outright (they are only ~10k cumulative) will they change their report but am unsure if that will even work. Also, considering I have a clean report barring these three marks, can I potentially say something like "I've never made a mistake before, can you just 'forgive' these?" similar to how a judge might throw out your first speeding ticket?
So the bottom line is how do I remove these false marks? It seems to me that there should be some kind of adjudication field in the credit report that allows the consumer to address the context around a black mark.