I am in the process of trying to get this 90 day late student loan somehow taken off. It’s all current now, and there are some issues that led to it being late. I took a 30 point hit from my scores, which really got to me. Can I recover some of those points after say 6 months? I have to just prepare myself that it won’t get changed, I just want to know if I can recover from this. I haven’t had any other issues since I started repairing my credit in November.