I have some Naviant and Sallie Mae lates that occur immediately following periods of forebearance or repayment, and instead of a 30 day late, they just go directly to 90 days late. I'm not a detective, but I think they are cheating. Forebearances last 4 months. So for instance, on my credit report, I have 4 months of "ok", during which I was in forebearance, and then on the 5th month, I am "90 days late"?
Is this something anyone else has encountered? I am wondering if it is worthwhile to try to get those 90 days changed to 30, because it effects the amount of "120 days or more" that I have on my credit report.
Any help would be much appreciated