I had bank of america student’s loan which was defaulted and it went to Williams & Fudge collection agency. I have been paying the monthly payments for past 2 years. I checked my credit today and it says that the “bank of america” loan is closed and “late”. I don’t see any accounts for Williams & Fudge. How is making the payment helping my credit score if the bank of america is already closed as “late”? I called Williams & Fudge and they said that they don’t report anything to the credit and couldn’t provide any information. Should I call bank of america and ask them to reopen the account and make sure that the payments are being posted? Any help will be appreciated.