I filed bankruptcy April 29th and awaiting my discharge July 29th. Since then I have been watching my credit reports closely. I consolidated my school loans in October 2017 after not paying Department of education/Nelnet for 3 years after I graduated May 2014. So I have been paying monthly and on-time to my consolidated loan since then. However, I see on my report Department of Education/Nelnet and Department of Education with Closed accounts but with LATE payments. Is there anything I can do? I called Department of Education and they said it should say Closed and paid in full. But these are showing up as LATE payments. Will it stay that way or should I try to get the LATE payments removed? Any advice or anyone with this experience?
When were your lates exactly?
If you were actually late before consolidating, then they are reporting correctly, and will follow the DOFD rule, which is 7 yrs. Those lates will then fall off at that time.
Just to clarify....you were late, NOT in forbarence right?