<prompt> Human: Hello,I set up auto payments as soon as I receive my new iOS device, but when I checked my account, it says the auto payment method has failed, therefore resulting in a late payment. Im never ever late for payments and make payments on time 100. Is there any way to dispute this so that I can remove this on my credit report?  <response>: It would be very, very unlikely they reported you for being 5 days late. 30 maybe. 60 probably. 90 likely. 