<prompt> Human: I wanted to ask how do I get rid of late payments that have been reported, and the bankcredit issuer isnt willing to waive them. Long story short, I have a 120 days late payment total delinquency period is 4 months on a small private student loan from my university that became due 1.5 years after I started paying my other federal student loans. I had really believed that my student loan payments were all consolidated and I didnt realize this other one was not included. Around the time the private student loan became due, I was in between moving apartments, so I did not get any notice that it was going to become due. When I called them, they said that it was my duty to notify the school that I was moving and that its my responsibility to know what loans I have out there. This is 120 day late payment delinquency is really hurting my credit score bc its showing up as a serious delinquency. Please help!  <response>: I wanted to ask how do I get rid of late payments that have been reportedThe short, basic answer is You dont.It was your responsibility to notify them of your move as well as what you owe and when payments are due. Dont pay late again and your score will slowly recover. 