I had an auto loan with the Bank Of America. I had set up an automatic payment plan so that there was no delinquencies. The loan was paid off in 2010. Still, they asked me to pay $95.00. I immediately paid the money over phone. They sent me a payoff paperwork after that. However, when I checked my credit report, I found that a 120 days delinquency is there on my report. This is for the last payment that they didn't debit from my account. Is there any way to get it removed from my credit report?