Dear Sir or Madam : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. 

However, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. 

According to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. 

According to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. 

In addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address XXXX XXXX XXXX, XXXX XXXX XXXX