Why is my credit score negatively effected for late payments every month from a toyota credit department in Westborough that no longer exists even though they are paid on time?

Calling Toyota credit department about the issue is the best thing you can do, then contact the credit bureau for any necessary rectification on your credit report.

You can also contest this with the credit reporting agency if you have proof of payments not being late.

You have a better chance of seeing Elvis than getting an answer from them I've tried.

Call Toyota credit dept. to ask this question.