i have a recently paid auto loan ($32000) and i have 8x30 late and 2x60 late. i had a big snafu with eroneus charges on a bank account, and i had 3 payments bumped back to hsbc(that i immediatly paid) but they show up on my report as late,even though the werent. can i get some of those removed do you think? how would i do it? gw letter?