How To REMOVE LATE PAYMEMTS from Credit Report In 2024

In this video, I go over how to remove late payments in 2024. This will be your complete guide of wiping late payments from your credit report. I will go over all the steps step-by-step. Enjoy!

Links Mentioned:

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Credit Builders:

Business Credit Lines:

Credit Monitoring

Investment Apps:

Loans:

DISCLAIMER:
This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author make no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video. This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support!

[Miss_Piff]

I’m glad I saw this video because I know a late payment shouldn’t be reported if it’s past 30 days but they did so anyways and I was literally 1 week late from due, i stg. I’m still fighting it as we speak but I will do this method if current one doesn’t work.

[shannonlopez]

The law about lates not being allowed on your credit reports is found in the UCC. I have used it for years. Furnishers/alleged creditors operate in commerce and are required to abide by the UCC. Basically what this code says, is that if you are late, you are in dishonor. Once they accept a future payment, they MUST treat it as never having been late - "never being in dishonor." THAT'S THE LAW.

[sherrygorman]

Hi! Thank you for the great information ❤ Is it better to type it or hand write?? Thank you again!

[ricardof]

New subscriber and I joined your Ai credit rehab with smart credit.

[bubblewrap]

Well they have 30 days to respond to you not to complete their investigation. So they will often send a letter saying they are investigating and that will comply with the 30 day requirement.

[dr]

I made 2 late payments on a fully secured loan

[chelechele]

Do you send the goodwill letter to the credit bureau or creditor?

[pavankumarsavaram]

Will you please give the guidance in india . My late payment is 900 days

[wormjad]

I cosigned for a vehicle for my brother. He quit making payments and my credit tanked. I tried to repossess his truck and the finance company said I had no legal right to do so. I told them where the vehicle is and they refuse to go get it. Please tell me there are legal steps I can take without filing bankruptcy to repair my credit. Everything I have is 100% on time payments except for his truck

[kenwooddrive]

I had a late payment reversed 6 months ago by the company that reported it late and experian still hasn’t updated it

[suxiruy]

What is the security freeze going to do?

[ThomasMize-qgrr]

The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you *PLUTO TECHIE* for pulling this off so smoothly...

[joewoerly]

What if you have multiple late payments? Would you send a separate letter for each late payment? Or would you dispute all late payments on one letter?

[audreymay]

I don’t see a link for the good will letter

[jayhawk]

Hi Naam, You mentioned at 29:30 regarding closed accounts with late payments.
I have a timeshare, we fell behind on the payments and the company reached out to us to lower the amount of points we purchased to help with the monthly payment. The representative we spoke to said the old contract will be "satisfied" and we would be opening a new contract with the remaining balance. In essence the old contract will be fully paid off--he said in doing so those late payments will be removed from our report. Is this true? Appreciate the info thank you.
Since falling behind, we have caught up with the payment, but the thought of lowering out points, monthly payment, and maintenance costs seems ideal.

[kdub]

I had a three-year car lease with Kia, it closed in 2018, for some reason one agency has:
- 100% payments made, all green checks but say 1/0/0 for 30 days late.
second has:
- 2 red X for late 60-90 days 98% payments
3.) 1 red X 30 days late.

it’s 5+ years old, going on 6…idk why it would have ever been reported late as it was the final 2 months before I brought the car back to lease again. The account was always paid…anyway is it even worth trying to dispute this as it’s so old an only 1-2 payments out of 36…

[Laizasweetheart]

hi there im not able to open the first dispute letter when i click the link it takes me to the Disagreement with investigation letter can you please share the first one with me? thank you

[javigarciayt]

Why do you have to do the credit freeze first?

[FlySocietyRecords]

So when there is an accuracies, do you go at all three credit consumer report agencies or just the one is reporting the in accuracy?

[mrgene]

I co-signed for my friend and he is constantly being late and my account as tanked. He got all the late payments and still being late. This is a nightmare. How could I fix this?