American Credit Acceptance All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. has there money what the problem you know this was your fault and now trying to cover it.. Spartanburg South Carolina

I just saw your report. You are blaming the auto finance company (doesn't matter which one) for the failure of the auto pay feature on your auto loan. That's incredible. The auto pay feature is to make it easier for you to manage your accounts, not make it management free. You still have to check each payment period to make sure the payment goes through on time. It's a good thing you didn't end up with the house loan or you would have an issue with paying that mortgage as well - since you don't have time to look at your bank accounts. 

Until you understand that it is your responsibility to review all of your payments each payment period, even those on auto pay, you shouldn't apply for any additional loans (or credit cards). It is up to each of us as consumers to manage our own accounts even when they are on auto pay.

Your credit report is a reflection of your payment history. It's a good thing the lender didn't change the credit report entries because, according to you, you actually missed those payments. The credit report is a warning to other creditors that you don't know how to handle your credit. That's it. You can change this anytime going forward by learning how to manage your credit and loan accounts. One you learn, then it will be time to buy a home and get a mortgage. 

PS - You don't have to authorize the lender to repo your vehicle when you fail to make payments. You authorized the lender in writing to repo it in the case of default when you signed for the loan.