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.Â
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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.
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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!
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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:Â STUDENT LOAN-PAYMENT DEFERRED
Lates:
2008—120 to 180 Â June-Sept
2009— 120 Jun & Dec, 150 Jul, 180 Aug-Nov
2010— 120 Jan