I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me