forebearance

Forebearances only cover past due payments not the credit reporting, so yes you will be reported as late. It is the borrowers responsiblity to file forebearances on time.

is there anyway to remove these late pays? Refinance into new program? Consolidate? Anything I can do to remove?

Refinancing or consolidating will not remove the lates. Only time will remove them.

ok here's an extreme question then..if i let them completely go into default and rehab under gov..what happens to the late pays? do those get removed then or just default

They remain since they are with the OC. Only the guarantors tradeline is adjusted.

i just called my loan co..they said i was in forbearance during the time reported as late..will a letter stating this from the loan company help remove late status
from cf..or am i just outta luck..

Was your forebearance filed on time? Or was it backdated? The CSR could be seeing your backdated forbearance. If so, they will find it when looking up dates.

so if it was backdate, meaning filed later after payment due date, they oc can slap me with late pays..and do not have to remove them once paperwork is filed...correct? that even sounds crazy to allow a late pay on cf if paperwork exists to legally postpone any payments within a period of time to creditor..

The department of education stand is that it is the responsiblity of the student to file all deferments and forebearance on time, which means BEFORE the payment becomes due. They will forgive the payment but credit wise you were legally late.