Hey! Andrew! THANK YOU!
I just started using my Citibank Aadvantage Debit Card and I'm finally resting easy again. Thank you so much for the advice. I just got a new copy of my credit report and one of the big errors was changed, but the change is wrong, too! First it said I was late on my student loan payment (I wasn't) and now it says I'm in deferral (I'm not- just made another payment two weeks ago). ARGH! Looks like this is something I'm going to have to deal with for awhile longer.

Sigh.
Thanks again for the advice!
GG