Please Help: Co-signer credit

[absentee]

Hello. I am in desperate need of help.

My mother had co-signed my private student loans and it started to collect early this year but was unable to make the first month's payment. I had applied for a forbearance (A pardon for a year) due to not having a job but before the forbearance was processed the student loans were reported to the credit agencies.

We checked her credit online and it does state that there is delinquency on the account due to the student loans BUT there are no money owed (due to the forbearance). Basically it's just there.

Is there any way I can fight this? I asked the student loan company for a letter stating that my account is on forbearance and that there is no money owed. They will send me the letter in a few days.

What should I do? All of my families assets (homes, cars, everything else) is under her name and this affected her credit line severely. She took care of her credit for the longest time and it's almost perfect but now credit line is frozen. I'd like to fight it but I don't know what to do.

I'd like to find out if there is any way I can fight this? Is there a small, tiny possibility that the reported delinquency could be removed or even what steps I need to take in order to convince the credit bureaus to close the negative report?

I would appreciate all the help I could get.

[Trish]

If you can get a letter from the loan company, you can try sending that to the CRAs along with a dispute. You may be able to have it corrected.
Student loans are very difficult to dispute because by law........they have to report your payment history accurately..........but if it is their mistake or a misunderstanding, you may be able to get it taken care of.

Hopefully it will work out for you and your mother.