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Removing Late Pays

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Well the first tip is this:

Do not have any more late pays in the future!!!!

That's the best way to remove them in the future - not let it get to that point.

But for the ones you DO have...if they're attached to otherwise good tradelines, I'd dispute with the CRAs as "never late", before you do anything else. Including Goodwills. Dispute first, see what sticks.

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I do not plan on having any more late pays that's for sure. I recently disputed with EX on a few and they did remove some but I need to dispute with TU & EQ. I called today to find out how far my OC's go back as far as statement's and they said 6 to 7 years. I just need to keep at it for now.

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