Can my SL still report late?

[destynee]

I was laid off and couldn't afford my loans on unemployment. By the time the paperwork to file for a temporary deferrment came and went back to them, I was late. At first they denied me and I had to refile. Now they are on hold until 1/09.

 

I got my credit reports and they are reporting as accounts in negative standing. They dated the unemployment back to the date I became unemployed which is when I started being late.

 

And because they consider 5 disbursements, 5 different loans, all 5 are reporting negative.

Shouldn't they just be fine, basically not negative?

[Saria]

Retroactive deferments and forbearances don't affect reporting. They'll continue to report lates for every payment that was in fact late.