<prompt> Human: Apparently my student loan servicer changed a couple times around when my 6 month post graduating deferment ended. I never received any info telling me that one of the loans were due. I got a call stating i was 3 months late on paying student loans and had to pay now or would get sent to collections for a perkins loan that was around 3k. I paid it in full but realized a few months later that it was showing up on my credit report. It was my only blemish. I sent them a letter stating that I had never got a notice and they very politely stated they would have the late payments removed. Only took 5 minutes of my time to write the letter but gave me a 62 point credit boost. Heres a link with more info. Hopefully some of you will be able to do the same: Heres the email i wrote and response:  <response>: Great work! Good to see these things can, and do, work for some accounts.For anyone wondering, here is our FAQ on goodwill letters 