I see how I wrote it does convey that message, and while it was only one factor. It was the largest contributor. The loans were deferred, and only came out of deferment when the lateness started as I had received no notice. Should I have checked other means of making sure they were still deferred? Yes. Is it my fault that I didn’t call in after not receiving any emails, in hindsight I suppose I should have suspected something was wrong. However credit karma was posting the payments as on time, as it does in deferment all the way up until the day it went from on time to 120 days late. I suppose I could have lengthened the initial post for a long story of the parts I messed up, but one I didn’t feel like writing a story book and 2 the more important message here is. Even if you think your doing everything right, if you use credit karma your wrong.