I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much. 
