I got my mortgage with Wells this past Spring/Summer and they were good to me. If you are indeed correct about the SL's deferment status you may be okay. You may be required to submit a LOE, but can't you go back to the SL lender and ask them to remove the lates since they are apparently in error?
Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 724 EQ 708 EX 723 AMEX 02/12/2013
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