<prompt> Human: So Ive been paying my school loans each month with a debit card, the last payment didnt go through because of overdraw protection, long story short they had 13 different accounts labled as delinquent and it brought my score down from 669 to 423, Ive since contacted them after I found out it didnt go through, they put it on hold and brought everything it out of delinquency status but my credit is still wrecked, is there anyway to remove the delinquent accounts off my credit report?  <response>: Only time. Sorry. 