My report show that a loan I had in 2005-2007 (since paid off in full) is reporting 90 to 120 days late for a 2 year period. I entered into a forbearance agreement that modified the payments. I made each payment on time for the next year and half (which was the normal payment plus the an extra $700 a month). However, my mortgage for that period is still reporting 90 to 120 days late for the entire period. As I understand it, if in forbearance and you follow the forbearance the reporting should reflect an forbearance agreement but also reflect on time payments if paying as agreed under the agreement. My Sallie Mae reported on time when I was in forbearance. Does anyone know how, or if, I can fix this with the credit reporting agencies or the lender?
