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  1. I have an auto loan that I am still paying on. I was late a few times over 2 years ago. How do I get those late payments removed? I tried disputing and they verified the late payments. I tried a good will letter and that didn't work. I made large lump sum payments on the account and asked them over the phone to remove the late payments and that didn't work. Any ideas? The loan is financed with M & T bank. The late payments are stopping me from obtaining new auto financing although my scores are in the mid 700s. Thanks
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