| Your credit report is a breakdown of your credit habits | | | | You can also try some self help credit repair and |
| both good and bad. Unfortunately the bad habits like | | | | attempt to get the late payments off your credit score |
| late payments have more influencing power then the | | | | report. To do this you must first have the old account |
| good habits. Late payments on your credit report are | | | | numbers and the name of the creditor. To get this |
| one of the worst items that you can have. Even just | | | | information you must have a copy of your credit |
| one 30 day late mark has the potential to know your | | | | score report. |
| score down 100 points, and it gets worse as the lates | | | | Next draft a credit dispute letter and send it off to |
| go past 60,90 or 120 days. | | | | each individual credit bureaus that is reporting late pays |
| How To Remove a Late Payment From My Credit | | | | on your account. Once they receive the credit dispute |
| Report | | | | letters they will require the original creditor to provide |
| The absolute easiest way is to wait, unfortunately | | | | proof that the account was in fact late. |
| most people cannot afford to do that and need a | | | | If the creditor does not do this within 30 days then the |
| quicker way to get their fico score up. The next best | | | | account must be removed from your report, you will |
| method is if it is an old collection account is to | | | | get a letter in the mail letting you know the outcome of |
| negotiate with the collection company. Never pay the | | | | your dispute. If you have multiple late accounts spread |
| full amount and always try to negotiate a educed | | | | the disputes out over time or the reporting agencies |
| amount because if you do not pay the collection | | | | will assume you are doing self credit repair and block |
| company does not get paid! | | | | your requests. |