I'm still disputing two lates with them myself because they're wrong despite continually "verifying" the info to the CRAs and a consumer advocate telling me they have a policy to only remove inaccurate information (and of course, they're always right!)
First of all, they don't report the first time until 90 days late as a courtesy...if all you show is a 120, I'd ask for detailed account info in the months leading up to that delinquency...when they sent the first notice, when they spoke to you, details of the conversation, forbearance/deferment beginning and end dates, any and everything to support that you were actually late and they were unsuccessful in attempts to resolve the issue with you. You should be able to get that info from a regular CSR, but you'll have to take it to the office of the consumer advocate to present your case.
In my situation, their own documentation doesn't even support a delinquency on my account...while they went back and forth with the consolidation company about an underpayment for almost 2 months, I never received any notification that the account was unpaid, past due, or anything. Furthermore, my forbearance was in effect until 7/10, but they report I was 90 days late in April?!? Even with all that, it's a battle I hope to be done with sooner rather than later...I'm waiting on a call back from the office of the consumer advocate now so good luck to you!
Starting Score: 564 on 3/15/12
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
