bad creditauto loans

According to bank lady this is the only negative thing on either of our cr's.
Would a goodwill letter work to get the lates completely elinminated?
However, I do have the right to have any information removed from my credit reports thru the furnisher of information, that being your office.
(Bad creditauto loans) I think this is a personal judgment call......there are steps you can take but I think you risk being sued due to the acct still being within the SOL.
THEN...once I know sol has expired, I will continue to research legality of repo.