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Originally Posted by BeckyW  I have several late payments that I would like to try to remove from my credit report. I have been doing research and it seems I can try to dispute them with the CRA or try to nicely ask the lender to remove them for me.
It seems to me that if I try the goodwill letter and it gets turned down and then try to dispute it later, the letter could come back as evidence that I admitted I was late.
My credit isn't terrible but I would like to get it up over the 700 mark. I have quite a few 30 days and one 60 day.
Which tactic should I try first? |
I would probably dispute a few of them. Don't dispute them all on the first letter. Make sure you state clearly that you were "not late" or "never late" and that you want them UPDATED. You do not want them REMOVED (unless you want them removed).
CRAs will sometimes be dicks and remove positive accounts because consumers don't specify exactly what they are requesting.