<prompt> Human: Im 24 and working a full time job making 35k in Texas, but I grew up and attended school in Alabama. I had plenty of scholarship money and worked 30 hours a week in college, but my dad still wanted me to take out student loans to help build my credit under the promise that he would pay off whatever loans I took out upon my graduation. He had full control of my student loan debt account: logins, passwords, etc. I couldnt even log on to see what the balance was. I graduated in 2014 and up until this past summer, he was making payments on it. I am extremely independent hated my family situation, hence why I moved halfway across the country so I constantly asked him if he wanted me to take the student loan stuff from him, but he always turned me down. My roommate had their credit card information stolen and told me I should check all of my credit information to make sure I wasnt involved as well. When I did, I saw that my credit score had dropped from 687 to 537 in one month and I freaked out. After much investigation, I found that my student loan had become delinquent because it had not be paid in 4 months.I forced my dad to give me the login information and I immediately paid the delinquent amount on the loan, but now my credit went from almost excellent to well below average at a time where I was working really hard to set myself up for success in the future.Is there anything I can do to have this delinquency dropped off my credit reports since I paid the delinquent amounts? I have 2 credit cards that I use for purchases that I have cash for i.e. gas, groceries, gym membership, and other stuffs and pay those off every month. Ive never missed a payment on those and since i pay them off every month, I obviously pay more than the minimum. Those two cards and my student loans are the only things that my credit reflects.  <response>: lesson learned, dont let other people be in control of your finances 