How to remove a late payment from your credit. Late Payments can harm your credit report for up to 7 years!
Learn how to remove lates from your credit, for good. Your Credit Score is the most important factor in your financial future. Your Credit is used when you apply for a loan, car, job, cell phone and even when you rent a car! So it’s important that you know the tips and tricks to improve your credit scores.
How to Remove Late Payments From Your Credit Report:
1) Always check your Credit and Have a Credit Monitoring Account, here is the one that I personally use: http://bitly.com/CheckMyCredit
**It’s better to deal with Late Payments on your Credit Report sooner rather than later. The longer you wait to try and remove the late from your credit, the harder it will be. That’s why credit monitoring is so important.
2) Start by Calling the Bank or Creditor that is reporting your account late to the Credit bureaus – ask to speak with a manager and work with the manager to try and have the late payment removed. They are paid to say no, do just be persistent.
3) If the Manager says no on the phone, then you will want to write a Good Will Letter to the Creditor. You will ask them nicely to remove the late from your credit, don’t be aggressive or act like this is a dispute letter. This is where we are nice about it.
4) If the Good Will Letter Didn’t work, now it’s time to get Aggressive! I want you to dispute the account (in writing) with all three credit bureaus and directly with the original creditor.
*Why you should NEVER dispute Online: https://youtu.be/3jtNludKRlE
I hope this information was VERY helpful in your attempt to remove a late payment from your credit report!
Find out exactly how to pay off collections, if necessary, along with how to exercise your rights so you can remove collections from your credit reports, and avoid getting stuck with less than perfect credit for seven long years. For the full story and to grab your free report visit: http://www.yourbadcreditcard.net/how-to-get-collections-off-credit-report/
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