@Anonymous wrote:
And they didn't report you 30 days late or anything?
That is my main concern....because as of today since they just got this setup I could fimd a way to catch it all up and take away any possibility they could report, but if I take it on good faith and let them do the transfer forbearance....I just wanted more assurance or "feel good" words from the csr that they will NOT report any late negative trade line by going the route of not paying now and waiting til July to make a fresh start on payments.
I went through some very rough years after a nasty divorce and BK and am finally on track again with good payment histories and my scores coming back up. Need to buy a house in next couple of months and don't need anything at this stage to set me back again.
Especially since the original student loan was only reporting as One tradeline several years ago and about 6 months ago they split it up and is now 20 seperate items on my credit report.
So that means them reporting a single 30 day late would now affect 20 trade lines on my credit report and that would devastate my entire file snd prob sink my score down into low 500's ir possibly high 400's.....I just can't have that happen because they loans got transferred and I coildn't access them for nearly a month.
I think you are being overly worried. I don't think they will be reporting a 30 day late. Do what you want to bring the account current. If the forbearance does not have any other side effects, just do what the CSR is suggesting.
