Direct Loans credit reporting

[CargoJon]

OK, perhaps Lynn or somebody here can help me out.

 

I've got a consol loan from Direct Loans dating back to 2000. Right around end of 2002, I got divorced fell a little bit behind (maybe 30 to 60 days) but applied for and received a hardship forbearance that was retroactive to the last due date.

 

Now, magically, 3 years later, I get a 60 day and a 90 day late popping up on my EX and EQ credit reports (I'm sure TU is to follow).

 

What gives here?

[CargoJon]

Note to add that I think I can get removed from EQ and EX easily enough due to other, CRA-related reasons, however I don't want this to keep popping up every couple years or something....

 

Also, I am currently attending school full time as well, and my in-school deferment was recently reapplied for and received. I wonder if this has to do with the "update"?

[TxQuiltGirl]

I'm sure that has a lot to do with the lates popping up - the deferrment, that is. I would just dispute it with the CRAs and see if that takes care of it. If not, a goodwill letter never hurt anyone.

 

Good luck!

[Estarrio]

I have a similar situation...

 

I did a retro forebearance...EX shows pays never late, EQ and TU show TONS of lates from the forebearance period.

 

I decided to experiment with TU and dispute as never late. As a result, they updated the lates on EQ and TU AND added them to EX. They also updated the status to "Current - was 180 days late".

 

Yesterday, they deleted from EX altogether and then added a positive TL stating open - never late.

 

I sent in the payment for the rest of the balance yesterday. I'm going to watch and see what kind of havoc their updates do to my reports before proceeding with a good will.

 

The updates are darn screwy...glad to have EX fixed for the time being though...

[CargoJon]

I have an in-school deferment right now...

 

My DL was showing never late on all three. But just the other week I had a 60 and a 90 pop on from back when I got me first forbearance.

 

 

I swear DL has the most F'ed up reporting methods. Luckily I have EX with a reinsertion violation on it...