So- I have several school loans through Nelnet and they are all being deferred since I am back in school. However, a few years ago I was not in school and they were in forbearance, but there was some mis-communication and they ended up being incorrectly listed as being 90 days late! I have called them to dispute this but to no avail...they said it was my fault but in reality on the phone they told me those years ago that it would be listed as in forbearance, now I can't get it fixed! And it's definitely hurting my score. Any ideas?? Thanks!