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bewilderedG

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15 Student loans went into collection - now consolidated and reclassified current/deferred
15 Student loans went into collection due to temporary an illness and over site. These loans were reclassified as deferred, however lender(s) would not remove the 90 day report. I have never missed a payment on any credit account. Why don't creditors and credit bureaus understand and consider this isolated event?

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But, they are not so one must live with things as they are.  That you weren't able to pay the loans for a while was not the responsibility of the lender and, like any other credit account, the  lateness will be reported.  Once dependably regular payments are made, the damage from those late payments will diminish.

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Student Loans

Student Loans should be a separate catagory in the credit scoring process and not factored in the same as other consumer credit  :(

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