genecern Posted April 5, 2008 Report Share Posted April 5, 2008 I have 2 (30 day late) negative items that I would kike to remove via the dispute process. From what I have read this may take a few dispute letters to finally get them removed. Does anyone have a series of dispute letters that will work. Thanks in advance Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted April 6, 2008 Report Share Posted April 6, 2008 How long ago were these two lates (last month, last year, or a couple of years ago)?And have you been paying them on time right now and in the recent past? And do you expect to be paying the rest of the payments on time (like from today until the mortgage is paid off)?The reason I ask is that if these lates are already old and if you are already paying everything on time and intend to do so from now on, then removing two 30 day lates is not going to do very much to improve your credit score because the negative value of them has already been diminished.And if you are already exercising responsible credit behavior with everything else, then that is a lot of effort to remove something that is already of so miniscule of negative value... Link to comment Share on other sites More sharing options...
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