<prompt> Human: So this July my mother was involved in a collision that resulted in my car being totaled. She contacted attorneys to help with the process. The attorneys handled all paperwork and contacted her insurance company. The attorney also told her monthly payments dont need to be made anymore since the insurance was going to pay off the vehicle. It made me uneasy since the car is under my name but hey its an attorney right? Well it turns out I have a late payment on my credit report now because payments werent made and my credit score dropped by like 40 points. I contacted Toyota and made the payment and asked them if theyre able to remove it but they said they couldnt. I then called the credit bureaus to dispute it but realistically, what are the chances of them removing the late payment? Did I just ruin my credit? How long will it take me to get it back to the 700s? The insurance paid off most of the loan now all Im waiting for is gap to pay the rest. I appreciate your advice.  <response>: Once everything is settled with insurance and the attorneys, you need to dispute the late payment with the credit bureaus with the reason insurance was late in paying this account. 