I went through this about a year ago and if you succeed.... high-five. After a lot of research, phone calls, emails, and disputes, I was told that student loans are the exception to the Fair Credit Reporting Act and that they are not obligated to update credit reporting for late payments now under retro forebearance. Thier position is that the payments were late when the negative reporting occurred and essentially the only purpose of the retroactive forebearance is that the amount past due is no longer due. I have heard some success stories, emphasize "some" much less the most or even half. In the future, if you don't want to or can't make your payments, call them or submit a forebearance to avoid the negative reporting. I haven't heard of a forebearance request being denied (knock on wood) so 5-10 minutes of time will avoid future frustration. Good luck! All the best.