I have 11 small student loans all with FedLoan. Every month I would receive the bill via email and set up the payment for a date 1-2 weeks in the future (always before the due date). For some reason one payment did not go through, which resulted in my account going 90 days late times the 11 accounts. The result was a 155 point drop in my credit score. yes, a 155 point drop.
Since that time (and before that time) I had never been late.
I have written 2 different good faith letters (1 year apart) to FedLoan requesting they remove the late payments, explaining the above and how it was hurting my score. Both times they have responded with "It is our duty to report correct information and this information is correct". I also disputed it directly with the CRA's with no results.
Do you have any other suggestions? I read somewhere that another poster had received a forebearance which covered the late payments, but my lates go back to the middle of 2015. Should I request a forebearance?