Ok im going no where with getting my one and only late payment removed from my reports. I think I’m stuck with it until it loses its scoring impact. I’m going right keep trying with my GW letters to fedloan every 2 months and if it fails, at least I tried. So far it’s been a year since my first attempt. Meanwhile since my first attempt I have added credit cards, auto loans and another loan where I financed some electronics. Nothing seems to bring up my payment history percentage. I’m stuck at 96% according to CK. I remember reading a few things here about diluting your bad history with lots more positive payments. Am I dreaming or am I going about it the wrong way?