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Derogatory Marks
I have a situation that I could really use some help with as I don’t have many people who can assist me with this. I have a private student loan and I have been paying it off since 2009 with no issues. This year I hit some financial issues and called them to tell them I was unable to make a payment. They talked me into a different repayment plan rather than what I wanted was a month of forbearance. They said this was called the “up to date plan” and would take that month payment and disburse it throughout the next six months. I agreed. I asked several times if this would affect my credit score and was told no. During this repayment time I received a new job and the pay roll days were different so I needed to move my payment date back a few days. I did this and then they hit my credit score with the derogatory marks because one loan was 64 days late as a result of me moving my payment date back. I am very upset about this because I try very hard to pay everything on time and have no marks on my credit and today I saw it took a huge hit on my credit score. Any advice? Is it worth fighting? Or should I just try to pay this off and never trust them again if I can’t make a payment just use a month of forbearance.

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