The borrowers with current delinquencies through private answers to privately asked questions, have indicated to me, to my satisfaction, that either
(a) the delinquencies have been cleaned up, but still improperly remain on their credit reports.
(b) the delinquencies are errors. Several of these borrowers have "current delinquencies" with zero balance
And as I expected, all of the loans that you cite are all current!!
Successful loans are made to persons who are on a clear path to financial stability.