PLEASE HELP ME-Student Loan Debt & In Deferrment

[SunnyDaze77]

Hello!  I'm new and embarrassed about my credit score EQ 608.  I am currently paying down debt and taking action to better my credit scores. 

I currently have 5 seperate student loans-didn't understand that my when I did make a payment they were split up into 5 seperate payments.  I was behind 8+ months. =(  Even though Nelnet took over my loans from SunTrust, during that time, I closed my acct at the bank (signed up for joint at my husband's bank), moved, got married, changed jobs and took a huge pay cut.  I'm not making excuses, it is definately my fault for not following up on my loans.  When I saw how far behind I was-I'm either a moron or in denial but I was scared-I called Nelnet and they put me on deferrment in Jan '10.  My payment is $68.88 so I began making triple payments of $100 each beginning Nov '09.  I thought I was caught up in Feb but found out big chunks of my payments had gone to interests & late fees for each acct and I was still about 300ish away from being caught up.

I printed my CR and saw that this was listed in the negative.  I contacted Nelnet and apologized and explained that I have been making 3 payments a month of $100 each for 5 months to catch up even while in deferrment and if they would kindly remove this from my CR.  They replied and were very nice about it but said I would need to contact the CR regarding this.  I have yet to do that.  not sure how to go about it since my CR is showing in deferrment and not late amount listed.  Shamely enough, I have listed below  some info on my Student Loans.  Is there anything that I can do other than a GW letter and proof of payments while in deferrment to show that I am trying?  Any info and advice would be greatly appreciated!

NELNET STUDENT LOAN SERVICES

Term Duration:  120 Months         Terms:  Deferred

5 Separate Loans-Balance $1,867, $1,810, $840, $530

No DOFD but Date Reported listed 02/2010

Last Payment 02/2010

Comments:  STUDENT LOAN-PAYMENT DEFERRED

Lates:

2008---120 to 180  June-Sept

2009--- 120 Jun & Dec, 150 Jul, 180 Aug-Nov

2010--- 120 Jan

[LynnInMN]

Student loans by law are required to report accurately and factually.  If you were not in repayment or deferment, you will be stuck with them.  Student loans do not offer goodwill.

[Anonymous]

Just catch up on your payments and stay current. Lendors dont care about excuses about being late thats why they told you to contact the CR agency. Sadly enough, the CR agency will tell you to contact the Lendor. But I guess its worth a try. Since payment history on CRs typically show 2 years, your 2008 late payments will slowly disappear. I would recommend that you keep paying triple payments if you can afford it. That will pay off your loan quicker, thus putting extra cash in your pocket in the long run. Good Luck :-)