In 97 I had a 2 yr lease with Ford. I had multiple lates on it, which I deserved. At the end of the 2 yr lease, with my fiance as co-signer, I bought the car (23 % interest, aarrggh.) I have had this car since 4/99, with no lates and no problems. I tried to dispute the lease with all 3 CRA's, and they verified. (It is showing up as a closed account, and the current loan is showing up as an open one.) I called Ford and asked them to at least delete the most damaging lates (60 days) and they said if it were one or two, fine, but since its so many, forget it. Well,I could sorta understand that. I countered that since I am now such a good customer, could they throw me a bone. Again, they said no. Any ideas on how to get rid of this on the CRA's? (Not that I have much hope for Experian, they have yet to remove a single thing, even when it was blatantly wrong.) thanks for your help..