How to remove a 30 day late credit payment from your history.
Everyone has a late credit payment some time. How would you like to find out how to remove a late credit payment from your credit report for free? Eliminating the late payment penalty permanently. Well there are no hidden doors or special phone hot lines. The easiest and most effective way to remove a late credit payment from your credit report is simply this. “ask for it”
In this Video I walk you through who to ask and show you some examples of actual letters that have worked to get those one or two 30 day late payment penalties off your credit repository file and bump up your credit score big time.
Watch now to find out how to remove a late credit payment from your credit report forever at no cost… I know it sounds simple but trust me it works…
Hi everybody! Dave Sullivan here for the credit guy tv. This time we are going through how to address a 30 day late on an open active account. After you get your free credit report from annualcreditreport.com you’re going to go through and review looking for accounts are still open and have one 30 day late.
Everybody has a situation that may have caused a thirty day late. The creditors understand that, Write out a letter that says something to the effect of:
I have been a loyal client since X number of years. I have had no problems with the service and I want to on ask for a favor to remove this one thirty day late were about to get a loan it’s affecting the price that you’re going to pay”
Write that letter out send it to the credit manager or the accounts receivable manager. If it is a larger bank I suggest going into the local branch and finding out from them who to address the letter to.
It’s really that simple, just write a letter that explains what happened and then mail it off, in a few months you should have an answer. I am going to tell you that in the sixty or seventy percent of the time they will remove that one thirty day late and when you’re talking about the higher end FICO scoring model one 30 delay date is pretty devastating situation to have when everything else is good alright.
Go through your report, find the accounts that have one maybe two thirty day lates, write out a letter that explains how long you have been a client and whenever personal situation that affected you paying late. Then ask them to remove it, hopefully, they respond back with the letter and hold on to that letter. We can use it to correct things at the bureau level without the creditor’s help once we get the letter
So Dave Sullivan for the Credit Guy TV with a little bit me we’re gonna change the credit industry, thank you!