In reviewing my credit I found that USA Bank who I at one time had my loans with (consolidated and they don't have any of my loans) reported 9 accounts as past due for 180 days. I have never paid on these yet because they have been in deferment. I know that they screwed up my deferment paper work one time and it was like 5 months before I realized what they had done. My question is how to approach this to get it from reporting derogatory on my credit. I am very new at this and have a lot to learn so any information/suggestions would be appreciated. I just found this board and am thankful for it. I am reading to learn more. Thanks to all for the input.
