I am wanting to know how I can get the OC to take off my CR the late payments. The late payments were due to my misunderstanding, thinking my loans were all deferred while they were being consolidated. Stupid I know. Hind sight is 20/20 right! I have not been late since they were consolidated. But I am Sure the OC doesn't care I have paid the new company on time!
I know I need to write the OC letters but I need some direction in what to say to them. Please Help!
