<prompt> Human: Like the title says I was irresponsible a few years ago and didnt pay my five student loans for the first ten months I owed on them. I have not missed a payment since the end of 2013. I have opened a few other credit lines that I also dont miss payments on.My problem is that I have 50 late payments on my credit reports and credit karma just told me that after just 1431 more on time payments I can move up to the next level. Thats 119 years!!My credit was tanked to about 560 because of those late payments and I have gotten it up to 660. The thing is my credit score hasnt changed on credit karma in months except for 1 point this month on the transunion report.I would like to buy a truck around May and Im afraid I will never qualify for financing.Thanks for you help guy. This sub is the reason I have come as far as I have!The other bad thing I have on my credit reports is a pretty high credit card balance compared to my credit line. I do seasonal work so that will be paid off in about two months. I also took out a second credit card to lower the availableused credit ratio.So now that I have shared all of that, is there any way to eliminate those late payments from my history or am I stuck with it forever? What else can I do to bump my score? Most importantly am I goo to be disqualified from decent financing and should I just bring up the fact that I have those missed payments but they are 3 years old if I do try to finance a truck?  <response>: I had 6 late payments on my student loans that had tanked my credit for a couple years. Then I found a forum online that suggested writing a letter to SallieMae that I was in good standing the past 2 years and was unable to pay initially due to personal financials problems. Certified letter to them, 5 weeks later I get a call from someone at Sallie Mae saying they got my letter and were removing the late charges!!! Give it a shot, cant hurt...I think I found an example letter on the creditkarma forum.Edit: Its called a letter of Goodwill! Just google it and youll find a ton of examples... 