<prompt> Human: I have a lease through Nissan that only has 3 months left on it about 750. Of all my bills, I had unfortunately let it be the one to allow to slip behind and looking at my credit report have 14 late payments on it. Outside of these 14 late payments I have 7 other late payments on my report total according to credit karma, my on time payment percentage is 96.8 which is apparently very poor. That seems odd to me since 640 on time payments out of 661 doesnt seem too shabby to me but I guess theyre the experts.My two questions are, just how much are these late payments on my account really hurting me and is there a way to get Nissan to remove my history of late payments from my credit report? Especially since Im about to finish off this lease anyways.  <response>: Yeah... not gonna happen. You have a major budgeting problem andor need an emergency fund if you missed your payment 14 times 6 other times for different lines of creditloans. What would be the point of a credit report if other banks dont know what type of borrower you are? Youre a huge risk to them and your credit history shows that. 