I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?