Also I think you would look nice in a flannel . D <| sep |> Wwhat ? Underwear under gym shorts ? Preposterous . How about wearing wider shorts ? <| sep |> Automod can ' t but Python can but what is valid data ? <| sep |> Oh , I see . Thanks for digest ! <| sep |> Fine I ' ll do 20 . psn litobirdy <| sep |> No , that ' s not true . They can remove it . WILL they bother sending a lettercommunicating with the bureau ? THAT ' s a different question . Call a couple times . Sometimes it ' s just call center roulette . Based on what I have read your 2 nd and I encourage you to try multiple HUCA ' s with Navient would be to write in paper a letter asking whicheverall bureau ' s that are showing your late payment to remove it out of courtesy with a copy of the letter of good standing . Remember that legally you don ' t really have a leg to stand on . So plead your case well , appeal to their emotions and speak openly of your mistake i . e unforeseen expenses , were too ashamed to admit you couldn ' t pay and show maturity that it won ' t happen again because you have an emergency fund , etc . As long as you can appeal to these people on a human level you should be good to go .