<prompt> Human: Hi all,Quick backstory. 90 days late on my student loan payments 4 loans total. Those have been paid for, and Im on autopay so it wont happen again. Wrote to FedLoan asking them to remove the late payment history, which was denied. Heres what they responded with:Under the Fair Credit Reporting Act FCRA, we are required to report complete and accurate information to the nationwide consumer reporting agencies; therefore, we are unable to honor your request.Is there anything I can do moving forward? Is this straight-up bullshit from FedLoan? Or am I just going to have to wait this one out and let time and timely payments fix this?  <response>: Nope. Pay on time and this wont happen, theyre simply following the law. 90 days lot is really significant and reflects on your ability as a lender. 