<prompt> Human: My girlfriend has a number of student loans some federal, some private. She has always had a 750 credit score and checked it this morning only to find she now has a poor score. She dug in and found out that one of her student loans is delinquent for non-payment. After investigating she found that the loan had been sold...but she has no record of this happening and thus didnt realize that her autopay was not working anymore. Does she have any recourse in this situation? She can pay the entire delinquent balance right now...what can she do to make sure the provider works with the agencies to get this delinquency expunged? Thanks so much in advance for any advice!!  <response>: Hi. I had an almost identical situation happen to me. In my case, my loans were sold while they were in deferment and about the same time I had moved to numerous different apartments. Therefor, I was never made aware that the change occurred. The new companyGreat Lakes somehow messed up my deferment status and started sending electronic bills to an email address I hadnt used in yearsvery old .edu address. I didnt notice, until I applied for a car lease and was declined despite thinking I had a decent credit score. I looked into it, and my FICO score had plummeted to below 600. I looked into my full credit report and found that Great Lakes had been responsible for this. I made numerous attempts to contact them to rectify the situation without much luck.What worked for me, and what I would suggest doing, is to file credit disputes with all 3 of the big agencies regardless of whether or not you have any hard proof to back it up. The burden of proof is on the credit company to prove that you were delinquent and that you are in fault. If they cannot prove to the credit reporting agencies to their satisfaction, it gets deleted from your record.In my situation, Great Lakes never bothered to send them any documentation in the required time frame, so for all 3 credit agencies I won my appeal. My credit score went up over 200 points in a single month.tl:dr - sent an appeal through the 3 main credit reporting agencies and hope that the loan company cant be bothered to send documentation in. 