i just wanted to announce some really good news today!!! i got a scorewatch alert from equifax, and for some reason, nellnet removed the 120+ day lates from the 2 accounts that were late, but are now in forebarance. i hadn't even sent in a gw to them yet. they just updated all of my accounts as deferred and paid as agreed. i am soo happy. now, i just have the 1 from direct loan from the us dept of education that is still showing the 120+ day late. but, my score went up 23 points!!! 
although, now i'm in the high 400's instead of the low 400's. 
but, i'm making some progress atleast.
although, now i'm in the high 400's instead of the low 400's. but, i'm making some progress atleast. 
just as an update, they only made that update to equifax, the lates remained on experian. i haven't checked transunion yet.
i haven't checked transunion yet. 
congrats to BOTH angies! Great job! 