It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You