I have one 30-day late TL on my report from 3/2008. It was technically 1 loan but split into 2 accounts because I think I reached a cap on one account. (I don't exactly remember why this happened). So the one lateness ends up showing as delinquencies on 2 accounts.
All my financial aid correspondence was going to my parents' house while I was in school. After I graduated, I changed my address on my Sallie Mae loans, but forgot to change it for the Perkins Loan. I think I just assumed everything was going under Sallie Mae. All my letters reminding me that my grace period was coming up and my first statement went to my parents' house. And they didn't open it because it was addressed to me. By the time they brought me the letters, I was already 1 month late. I made the payment immediately and I paid off the entire loan by 8/2008 without anymore late charges (and without any special plans from the company).
I'd really love to have this TL removed, but I'm not sure who to send the letters to. The statements say to make checks payable to the school, but I paid online through www.mycampusloan.com, which looks like Campus Partner's site. Should I just send a letter to both?
