Rebuilding Your Credit

[monstere316]

On my credit report for my old school, it states I was let for two months payment, however I was in school at the time and the loan was and is still deferred. So I dont understand how I could have had a late payment. Do I dispute this, send a DV or what?

[injustifiiable]

Who holds the loans? Are these federal or private or what?

[Shogun]

I would contact the creditor and advise them of that fact.  

[monstere316]

I will do that, and it list the school itself so I am assuming federal.

[atarvuzdar]

Loans in deferment still accrue interest and you are expected to pay the interest during deferment, though I don't believe you get statements advising you of the interest amounts on a monthly basis. It is this interest not being paid that is most likely the cause of your lates being reported.