I am starting the process to rebuild my credit. i'm in my early thirties and have a bout 50K in student loan debt. I qualified for IBR and was able to get it down to $145/mo. There are periods that were reported as late - as much as 120 pd after talking with my student loan ppl and they granted me a forbearance during those periods , essentially bringing my account current. It had already been reported as late to CRA's. Is it possible to submit the letters showing forbearance period to CRA to get them to change late pymt activity or am i stuck with them??
