Rep at Fedloan told me that because I rehabilitated SL's they can't go back and apply retroactive forebearance on them. Anyone know if they are feeding me the usual "we can't do anything about the past" line they give. Or if it truly is the case. Wanted to get forebearance and send letter disputing to 3 CRA's.
I have recieved retroactive Forebearances, but the lates still show. They claim that I was still late until the forbearance was issued, so it is reported correctly.
Technically this is correct, depending on when you asked. I saw an AVVO post about this.
Basically the latest are valid until the retroactively apply the forbearance. Then they're basically saying instead of "you owed and didn't pay us," you've changed it to "you don't owe us anything." If you didn't owe them a payment, they can't say that the payment was late.
If the forbearance has been approved, all that's left to do is dispute the lates with the bureaus with your forbearance paperwork and they should be removed.
I asked for a copy of all my forbearance requests and recieved it some time ago. I should try the dispute idea. It does show zero payment due on all my credit reports currently, but also shows that the accounts are late on those months.