I had gap insurance, car total loss, Phone bill

Quoting REAL PERSON:
Ok so my credit is bad but only because of like 3 things. The companys are getting there money but they are putting bad stuff on my credit. what can ii do? i got reciepts for everything. The main thing was a car that i had a total lost for, I had gap insurance that covered it gave them a check and paid it off in full and they still put charge off, Then i have one company im paying off a old phone bill and i had a plan to pay $25 monthly and now they are saying they havent received no payment when i have the amsoct stubs saying they cashed it, i need help.
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Sounds like we have LEGIT reason's for fixing credit.
Company's are getting payment before 30 business days but are marking 30 days past due. "RIGHT?" Dispute IT. Send copy's of recipts with the free dispute form. "BE LIGIT".
Make copies of Gap Protection and work with Gap protection company to get legal remedy for late GAP payment on automobile loan payoff. Use legal leverage without being angry. Consult the BBB. Consult GAP company AND car dealer who sold GAP. Then dispute incorrect late payments.
Phone bill? 25.00 per payment? Yes that is bad credit. Utilities are the lowest of lows one can have. THE phone company made mistakes about payments on a bill that was allready listed "on credit report now" as being a charge off. Make payment in full NOW. Not 25.00 per month. Lord if I can not make phone payments why am I wondering why my credit is bad.
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