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student loans-late payments-which direction?


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I have some student loans. They are a couple of years old with a couple of late payments on them. the current loans are in deferment due to me going back to school. I understand that they HAVE to report all payment history, for the good or for the bad.

1. Since they didnt or I dont recall them sending me a letter stating that the negative was going on my credit reprot, can I send them a letter explaing that they have to per FCRA 623(a)(7)?

2. would I be better off just leaving them alone since they are now a couple of years old?

The reason for the last question is that I have read some post that after deleting the credit scores went down.

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