I took out a student loan in college, about 20k. For whatever reason NELNET split my loan into 7 different accounts and when I missed my payments they counted it as a miss on each one. Unfortunately I wasn't responsible right out of college and I missed five payments, now it shows 35 missed payments on my credit report! As percentage of payments missed has a very high impact on credit this destroyed my rating. I called Nelnet and they said you have to talk to the bureaus, I called both Equifax and Transunion and they said there was nothing they could do besides "write a note", which frankly doesn't do anything. It seems like this should be illegal and I feel helpless, can anyone offer a solution, I appreciate it in advance.