XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report.