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?
I made a pond!

I made a pond!

photo heavy mainly veggies.

photo heavy mainly veggies.

BER in Roma Tomatoes

BER in Roma Tomatoes

Eggplants, photo and a question

Eggplants, photo and a question

Um… What kind of tree is this?

Um… What kind of tree is this?

poinsettia

poinsettia