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Hi, I think I have a couple legitimate claims on 2 lates for my FedLoan Servicing Student Loan. LEGIT CLAIM #1: submitted a deferment request in May 2013, which was denied repeatedly for no good reason. I faxed the paperwork over at least 4 or 5 times, yet they claimed they never had the full documentation. Also, for some inexplicable reason, despite requesting temporary forbearance during the time my deferment claim was pending, it wasn't processed correctly, unbeknownst to me. Therefore I unknowingly accrued lates during this time. After finally speaking to a competent manager, I was immediately approved for forbearance on July 10th, 2013 and backdated to May 8, 2013. I have read that others have had success getting late payments removed when there is a backdated forbearance granted,especially if it the lenders fault. I was on the phone with a Fedloan Rep for over an hour today, and she mentioned there were a lot of notes in my account during those two months regarding my requests, but none of those made it clear if was their fault, so I will hope for the GW for these lates, due to the backdated forbearance, but I have some other questions/back-up plans as well. LEGIT CLAIM #2 (See Attachment): Can someone explain to me how my all the CR bureaus are reporting OK for April 2013, then immediately 60 then 90 day lates for May and June, respectively????? This makes NO sense to me. There are only 2 months where I was supposedly defaulting, how can a 90 day late come from that? Or how can they skip the 30 day late completely? What about a grace period? Also, if the GW doesn't go through, and I can't get at least the 90 removed due to the timing discrepancy, is there any chance for negotiating a PFD? I've heard of this with credit card companies, but will Federal SL Lenders do it too? Thank you to anyone who takes time out of their day to help. It would be greatly appreciated!

Hi, All. I'm currently awaiting Trial against a JDB that's suing for alleged credit card account debt in the amount of $7,xxx.xx (trial is about 7 months out). Last time I checked, they were reporting on my CR without listing as "Disputed." From what I've seen so far, the Plaintiff has jack shxx for evidence (I'm starting Discovery now to verify, but the initial Complaint was a 1 page form with no documentation at all). I'm wondering if it's worth shelling out the cash for another CR to see if they are still listing without the "Dispute" in order to use it as a bargaining chip to see if they'll drop the case (i.e. - threaten to sue them for violation of FCRA rules). Since it doesn't seem like they have much of anything, I'm wondering if the threat of a return suit might just convince them to cut their losses. Or, could they just wiggle out of it by adding "Disputed" to the CR after I point it out? Anyone have any experience with this? If so, is there a thread here that I could follow for this process? Thanks everyone!