Credit Woes…

Credit Woes…

Quick back story...when I first started college, I knew next to nothing about finances. My father took the loans out and put them in my name with the expectation that I'd pay them back, which I had no problem with. And since I graduated last May, all has been well with paying back loans. So the other day, I checked my mail and strangely found four letters from a particular college loan company I had never seen before. Upon opening the letters, I find I'm about to default on a loan I didn't know I had. Upon examining, I find they have my address wrong. They had my apartment number listed wrong, so I received nothing from them. Apparently they've been sending me letters since November and I had no idea. Calling them up, they tell me they reported my loans for 90 days past due. They explained to me they were with the other loan company I had taken out from, but they were a different entity (I had assumed the my college loans were all from one place, as said my college finance records). The math did add up, though. I arranged a payment plan with them, but called them out on having my address wrong and never receiving anything from them until April. I told them that my father and I had moved in the past year and updated our address information with the post office and with our credit. I even say that if this was sent to me in November I would've handled this back then without a fuss. They say they can't remove the 90 days past due mark from my credit. And now my credit score is lower than what it was. I had good credit before, no blemishes or anything on it. Now because of this, it's much lower than I wanted it to be. People are saying I should try to fight this, but I have to ask, do I have a chance? I've arranged a payment plan with them, but I feel like my credit is a little screwed over nothing. It's otherwise good credit. So do I just lay down and take this, or do I fight it?
room. (need opinions!)

room. (need opinions!)

Some pictures of my garden

Some pictures of my garden

powdery mildew?

powdery mildew?

Will my hydrangeas come back?

Will my hydrangeas come back?

Tree ID help

Tree ID help

Home sweet dump

Home sweet dump