 TITLE: Do Deferred Payments Affect Credit? CONTENT: When a lender approves your deferment request, it should report that your payments are currently deferred to the credit bureaus. While this appears on your credit report, the deferment mark won't directly help or hurt your credit scores.\nThe accounts can continue to impact your credit scores, though. For example, your account will continue to age, which lengthens your credit history and could help your scores.\nAlso, keep in mind that if you apply for deferment and stop making payments, but your lender denies the deferment request or a payment is due before it's approved, the late payment could still get reported to the credit bureaus and hurt your scores.\nIf you missed payments before putting your loan into deferment, those late payments won't be removed from your credit history. However, if your account was past due when you entered deferment, their impact may temporarily be ignored while your loan is in deferment. END