Hello, I am new to Credit Boards. I had a student loan that I exhausted the deferment period. I had 3-4 consecutive months where I defaulted because funds were scarce. I then enrolled in school (online) to buy myself time to begin repaying the loans. My mom decided to give me the money to pay off the loans in full. I did just that and guess what happened? Yep! My score dropped about 30-something points. Now that you have the history, here are my questions: 1. I would like to know if I should reach out to the lender if it is possible to remove the months where I didn't make payments. 2. How/What should I do to increase my score due to me restarting the clock on these loans? Your feedback is appreciated. Thank you.