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Late payments


mudpie
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I just did the free credit repair tool provided here. The only thing it tells me to do is dispute the lates on my reports. I have been late since finding out my husband wasn't paying mortgage payments (we're going through a divorce) so I can I dispute these? Or, how do you dispute old lates that show up? Any advice will be appreciated.

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When it comes to lates.. I ALWAYS think you should start out with a goodwill letter if the account is now current and paid on time. If you dispute it with the CRAs you run a HUGE risk of having it deleted completely off of your report.

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