I opened up some student loans in college, about 6 to be exact. I have consolidated them a few times in 2000, 2001 and 2003 to get the best rates and now they are in 1 account as of the 2003 consolidation. These 6 loans show all of the different note holders for each refi, so the same debt is now listed as a total of 19 accounts on my credit report. This shows a flag as having too many lines of credit open. I've had this as a single account for 4 years now, why am I being dinged for the other 18 historical accounts? 13 of them have the current status as deferred, which is wrong since they were moved. There are no delinquent activity on any of the prior lenders, but my credit score is negatively affected based on the high number of accounts. Any ideas on how to correct this? Can it be cleared up? Thanks.