I am not an attorney. But I interpret it to mean that you can't report the account as negative based on the terms later changed by SSCRA.
That is, don't report the payments past due based on the contractual rate of interest. If the rate and payments are lowered and it is unpaid, I don't have a problem in reporting that. I base this largely on the intent of the law and the fact that someone loaded with debt could join the service voluntarily for 20+ years. Are they not supposed to have a credit report in that time?
Someone else may have a different read on this and I'd be interested in it with any cases to support their position.
I don't know that this has been a big deal yet.
Opinions stated are not necessarily that of my employer.