<prompt> Human: Between 2011 and 2012, I fell on some hard times and made some poor financial choices and missed some student loan payments, the last one in October, 2012. Since then, I have gotten a good job and started going back to school, which gives me a reprieve from student loan payments for a while. I read that missed payments take 7 years to fall off your credit, but I was wondering if there was a way to make those fall off faster, perhaps talking to my student loan provider? Any help would be appreciated, as I might like to buy a home before November 2019. Thank you.  <response>: You can ask. There is no reason they should though; as they are accurate. By your own admission you made poor choices and those have consequences. 