Hi guys. I just needed help on getting my '90+ day' delinquent mark removed. I had a 3k loan that I completely forgot about during covid since it has been paused and one day woke up learning that my loan was transferred to edfinancial in Jan and that my credit dropped by a 100+ points as of 2 days ago. I got zero warnings, no 30 day or 60 day notification. My credit report says that this is the only missed payment. I own a home and car so I'm not desperate to fix my credit but feel like it's unfair for me to ruin my credit for a simple miscommunication. I called Edfinancial and they are not budging. I got the same agent twice on two different days lol. I guess they got their money and don't want to deal with me any longer. My question is can I dispute this with the 3 main credit bureaus? I'm not even sure how to even word the dispute as I'm so confused.